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Homeowner Rehab Program

Low Interest Home and Commercial Rehab Program

The City of Malden, through the Malden Redevelopment Authority (MRA), operates a Residential Housing Rehabilitation Program which addresses the repair of owner occupied one to four family structures and investor owned properties. Depending on the eligibility of the owners, generally all repairs are related to a code and lead paint inspection performed in conjunction with the City of Malden Code Enforcement Department.

All projects will be reviewed and include site specific reviews found in project files, determination on history, flood plain, noise, air quality and solid waste.

In addition, the MRA operates a Commercial Rehabilitation Program.

For more information about these programs, contact Andrew Scarano, Director of Neighborhood Revitalization at 781-397-1940.

CDBG Low Interest Homeowner Loan Program

This program enables owner occupants of one to four family residential structures in the city to correct code and lead paint violations. These 15 year loans carry an interest rate of 2% for low to moderate income households.  The maximum loan limits are:  $25,000 for a single family structure; $35,000 for a two family structure; and $40,000 for three or four family structure.

CDBG Emergency Loan Program

This program is utilized for emergency repairs designated by the MRA as dangerous to the health and safety of the occupants. These 5 year loans carry an interest rate of 2% for low to moderate income households and the maximum loan limit is $5,000.

Investor-Owned Loan Program

Under this program the tenants must be within the low to moderate income category. Depending on tenant incomes and rental restrictions, the loans carry an interest rate of 2% over a 15 year term.  Please note: rental restrictions do apply.

Download Investor Owned Loan Application [PDF]

Malden First and Second Time Home Buyer

Homeowners who qualify for the program must meet certain income requirements as established by the MRA. Under this program a purchaser who meets income and rehab requirements may receive a home improvement loan to repair any housing and lead paint violations in their newly acquired home.

Federal Lead Paint Loan Programs

March 2014: The Malden Redevelopment Authority has been awarded a $3 Million Grant from the Department of Housing and Urban Development (HUD) in Lead Hazard Reduction Demonstration grant program funding.  The grant will be used to address lead hazards in 200 housing units in the City of Malden in  order to provide safer homes for low to moderate income families with children.  The MRA will collaborate with the Malden Board of Health, Cambridge Public Health Department, Tri-City Community Action Program, Inc., Just-A-Start Corporation, JHR Environmental Testing, Residential Inspection Company and Titan Lead Testing LLC. 

Homeowners who have children under the age of six are encouraged to apply.  To schedule a free lead inspection of your property or to learn more about the lead and rehab programs at the MRA, please contact Andrew Scarano, Director of Neighborhood Revitilization at 781-397-1940 or visit the MRA office at 176 Pearl Street.

All inspections will be paid by the MRA for eligible homeowners who go through this program.

Lead Water Pipe Replacement

The City of Malden/MRA offers a Lead Water Pipe Replacement Program. This program is open to homeowners in the city who would like to replace the lead water lines from the sidewalk into their homes. Under this program all eligible loans will be secured with a mortgage and promissory note.

The financing is as follows:

50% median income or lower - 0% interest rate (in hardship cases, loan can be deferred , payable only upon sale or refinancing).

51% to 80% low to moderate income - 2% interest rate, term up to 7 years.

The above financing requirements may be waived or changed on the recommendation of the Director of Neighborhood Revitalization and with the approval of the Executive Director of the MRA.

Programs Available in Malden

1. The City of Malden, through the MRA, operates a Residential Housing Rehabilitation Program which addresses the repair of owner occupied one to four family structures and investor owned properties. This rehab program is required to test for and remove, if necessary, any lead based paint hazards.

2. A Federal lead program is available to low to moderate income individuals or families, of owner occupied homes. This Lead Abatement program is funded through the HUD Office of Healthy Homes and Lead Hazard Control, and CDBG. This program has de-leaded over 1000 housing units since 1994.

3. Through Tri-City Community Action Program, the City has several outreach programs including fairs where literature is distributed and through which referrals come to the city. The Tri-City Community Action Program also holds educational seminars to increase awareness of lead based paint hazards.

4. The City of Malden has an aggressive inspection program triggered by code enforcement and health department findings. When the City identifies units with lead-based paint, those units are required to be de-leaded.

Applications and forms

Family Size Maximum Gross Income [DOC]

Download: Investor Owned Loan Application [PDF]

Owner Occupied Loan Application

General Tenant Survey

Download: Tenant Lead Law Notification [DOC]

Download: Pre-Abatement Screen Data Form [DOC]

CONTRACTORS: Download:  Contractor Application Form [PDF]