Housing Trust Fund Programs
Finance New Orleans is helping residents, landlords, and developers build a stronger future through innovative Housing Trust Fund programs that expand affordable housing opportunities, strengthen homes against severe weather, and create pathways to long-term financial stability.
Whether you’re purchasing a home, renovating a property, upgrading to a FORTIFIED Roof™, or developing affordable housing, our programs provide flexible financing and targeted assistance designed to reduce barriers, lower costs, and support resilient communities across New Orleans.
Our Housing Trust Fund programs create new opportunities for homeownership, housing preservation, neighborhood investment, and community resilience.
FORTIFIED RE-UP Loan Program
AFFORDABLE ENERGY-EFFICIENT FINANCING FOR HOME RESILIENCY IMPROVEMENTS
The FORTIFIED RE-UP Loan Program provides affordable financing to help homeowners and small landlords install FORTIFIED Roofs™ and complete resilience improvements. Through a partnership with SELF, the program offers flexible financing options of up to $25,000 per roof, helping property owners strengthen their homes, improve long-term durability, and better prepare for severe weather.
Learn More About the FORTIFIED RE-UP Loan Program
FORTIFIED Legacy Home Renovation Loan Program
Purchase, Renovate, and Protect Your Home
The FORTIFIED Legacy Home Renovation Loan Program helps New Orleans residents purchase or refinance a home while financing renovations through one affordable mortgage. Eligible borrowers may receive up to $25,000 for a FORTIFIED Roof™ and up to 5% down payment assistance, making it easier to create a safer, more resilient home while reducing future storm and insurance risks.
Learn More About the FORTIFIED Legacy Home Renovation Loan Program
SMART Small Multifamily Construction Loan
Develop Affordable, Resilient Triplexes and Fourplexes
The SMART (Small Multifamily Affordable, Resilient, Transformational) Loan Program supports the development and rehabilitation of small multifamily housing throughout New Orleans. Designed for developers and nonprofit housing organizations, SMART helps expand affordable rental and homeownership opportunities while encouraging resilient construction, neighborhood investment, and long-term housing affordability.
Learn More About the SMART Small Multifamily Construction Loan Program
Together, These Housing Trust Fund Programs Help New Orleans:
Expand Homeownership Opportunities
Create pathways to affordable, resilient homeownership for current and future residents.
Preserve and Strengthen Existing Housing
Support critical repairs, rehabilitation projects, and FORTIFIED Roof upgrades that protect homes from future storm damage.
Improve Housing Resilience
Invest in safer, stronger, and more durable homes that can better withstand severe weather events.
Increase Affordable Housing Supply
Support developers building and preserving affordable rental housing and mixed-tenure communities.
Build Wealth and Neighborhood Stability
Help residents, landlords, and developers create long-term value, strengthen communities, and invest in New Orleans’ future.
Building a More Resilient New Orleans
Finance New Orleans is committed to helping residents purchase, preserve, and develop housing that strengthens and protects families and neighborhoods. Through the Housing Trust Fund, we are investing in affordable housing solutions that support resilience, expand opportunity, and create lasting community impact throughout New Orleans.
