Our Loans

LHOME serves homeowners and small business owners across Jefferson County, particularly those who have been turned away by traditional lenders due to credit history, unconventional income, or insufficient collateral.

In general, these are loans that must be repaid. We underwrite each loan carefully to make sure it leaves borrowers in a stronger financial position, never a weaker one. When a loan is repaid, that capital revolves back into the community as a new loan for another Louisville family or business.

Please Note: LHOME offers loan products for both homeowners and small businesses, based on current program availability and funding. The products listed below are currently open for application.

Property Tax Assistance Loan

Your annual property tax bill just arrived, but you don't have the cash to pay it. LHOME can lend up to $5,000 to Jefferson County residents to meet property tax obligations. Avoid fees, penalties, tax liens, or losing your home. Loans are repaid in equal monthly payments over 12 + months. A minimum credit score of 540 is required.

*Income qualifications and underwriting criteria apply. All loans are subject to review and approval

LHOME has partnered with the West End Opportunity Partnership to provide additional relief for rising property taxes in nine West End neighborhoods: If you live in the Algonquin, California, Chickasaw, Park Duvalle, Parkhill, Parkland, Portland, Russell or Shawnee neighborhoods, you may qualify for additional assistance in the form of a grant or 0% interest loan.

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Income-Based Home Repair Loan

You own your home and would like to do repairs, but can't afford it all on your own. LHOME can lend up to $24,999 to low-income homeowners in Jefferson County for qualifying repairs to roofing, HVAC and electric. Loans are repaid monthly for up to 7 years at 4% interest. A minimum credit score of 540 is required.

*Income qualifications and underwriting criteria apply. All loans are subject to review and approval

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Stay Updated

Additional loan applications open as funding becomes available.

Click below to receive an update on additional loan products (ex. Small Business, Micro-enterprise, Home Repair) when applications open!

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Business Loans

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Micro-Enterprise Loan
(Character – Based)

You’re starting a business and need cash to get your business on the right track. Our funds and Small
Business Coaching can do just that! This loan provides up to $15,000 for 36 months and is available to
start-ups and existing small businesses.

Apply for up to $15,000

Micro-Enterprise Expansion Loan
(Character – Based)

You’ve started a business but need cash to grow and attract new customers. This loan provides up to
$50,000 for up to 60 months and is available to businesses who have been in operation for at least 24
months.

Apply for up to $50,000

Small Business Loan

Your business is off to a great start, but you need a larger loan to help fund your growth or equipment purchase. This loan provides flexible funding and terms (up to 84 months) to help get you where you need to be.

Apply for up to $150,000

Working Capital Loan

You've won a contract to build affordable housing, but need to buy supplies and tools. We can lend you up to $15,000 of working capital to buy what you need on the job.

Apply for up to $15,000

Consumer Loans

Home Repair and Energy Efficiency Loan

You own your home and would like to do repairs, but don't have the cash. LHOME can lend you up to $50,000 to pay for repairs, renovations, and energy efficient upgrades. Increase both home equity and comfort in your home with a loan from LHOME.