Get the Lead Out

Lead paint can be found on the outside of a home or on the inside, particularly around windows, sills and other painted woodwork. This poses a health threat, especially to children. Removing lead paint from a home is often a costly and difficult undertaking. CTI's Get the Lead Out Program provides low-cost financing to owners of 1-4 family homes to remove lead paint and reduce the threat of lead paint poisoning in children.

Funded by MassHousing and the City of Lowell, CTI is proud to offer this program to homeowners in our region. Borrowers must meet certain income guidelines in order to participate in the Get the Lead Out Program.

Owner-Occupants whose income does not exceed MassHousing home mortgage program income limits.
Owner-Occupants earning between current MassHousing income limits and up to 150% of area median income with a lead paint poisoned child as determined by the Massachusetts Department of Public Health.
Investor-Owners who rent their property to income eligible tenants (eligible tenant income is the same as defined for owner occupants above).
Nonprofit Organizations that own properties and will rent to income-eligible tenants.

Loan amounts and interest rates vary depending on the type of property and the type of ownership. The following limits are applied to property type:

Property Type	Loan Amount
Single Family	$30,000
Two Family	$35,000
Three Family	$40,000
Four Family	$45,000

All of the financing available under this program must be used for lead paint removal activities. Deleading that was started prior to loan closing is ineligible and CTI will not reimburse borrowers or contractors for work that started before the loan closing.

Interest Rates vary depending on the type of ownership.

To find out more about this low-cost financing program for lead paint removal, call CTI at (978) 459-0551, Ext. 265.