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Get Home Improvement Assist Services City Of Philadelphia One sort of government mortgage is a HUD Title I Property Improvement Loan. It enables you to borrow as a lot as $25,000 with out having any equity in your home. This is an effective home repair mortgage option if you’ve just lately purchased your house and must make upgrades. However, the money should go toward renovations that improve the livability of the home, and some upgrades might not qualify. If you’re making minor updates to your home, similar to upgrading a relaxation room self-importance or installing a brand new closet system, …