SCOTCH PLAINS, NJ -- Scotch Plains Township has announced its new Home Improvement Program (HIP) that will assist houses occupied by very low income, low income, and moderate income households by providing up to $22,000 as a forgivable loan for home repairs or replacements of major systems in conformity with the N.J. Rehabilitation Subcode N.J.A.C. 5:23-6.

Program forgivable loans are at 0% interest, no monthly payment and forgiven after 10 years if the property owner complies with the program guidelines. Funding is also available for rental properties. This program is required as part of the Township’s Affordable Housing Settlement and Housing Element & Fair Share Plan.

HIP is a Township-wide program for Scotch Plains residents. Both owner-occupied and renter-occupied housing units are eligible to receive funding for rehabilitation provided that the occupants of the units meet court-approved income limits and the units are determined to be substandard and for primary residency only. Eligible uses of funds include roofs, foundations, heating, electrical, windows, insulation, plumbing, and more. 

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“The Township Council and I invite eligible homeowners to apply for funds in our Home Improvement Program,” said Mayor Al Smith. “I strongly encourage homeowners to take advantage of this wonderful program. Where else can you get a 0% forgivable home improvement loan?”

The Township’s Administrative Agent, Community Grants, Planning & Housing LLC (CGP&H), a private consulting firm specializing in the implementation of publicly-funded housing rehabilitation programs, will manage and administer the HIP. The program’s funding source will be municipal housing trust funds.

The program will process new applicants on a first-come, first served basis. To learn more, including the income limits and to submit a preliminary application, please visit or call (609) 664-2781.

General contractors can apply to register to receive free bid notices for program construction opportunities. Please visit, email or call (609) 664-2783.

For additional questions about the Township’s Home Improvement Program and affordable housing obligation, contact Tom Strowe, Municipal Housing Liaison at (908) 322-6700 ext. 317 or