FIND and APPLY for Federal Grants. The U.S. Department of Health and Human Services is proud to be the managing partner for Grants.gov, an initiative that is having an unparalleled impact on the grant community.

Free Home Repair Grants and Loans:-

Government grants in the United States offer a helping hand to needy citizens in various cases. Home repair grants are aids that are provided to home owners in case their homes have been damaged due to some natural calamity, or in cases where they need funds for renovating the property. These grants are valuable for those individuals who don't have large funds for repairing or improving their homes. Since these government grants are not required to be paid back, they can be used by citizens in times of need. The US Department of Housing and Urban development and FEMA (Federal Emergency Management Agency) caters to various needs of homeowners for providing them with benefits of home improvement or home renovation or repair grants,HUD grants for single mother and disabled veterans,window replacement grants.The process of improving a real estate usually tends to be very expensive. Though this process is expensive, sometimes it is extremely essential for maintenance. First time home buying grants and home improvement grants and loans are financial aids extended to people to buy a new house for them or to renovate their personal real estate, like their homes, farms,and beach houses.....


Government Grants for First-time Home Buyers

A home is not just an investment but a personal joy and a stronghold that brings a sense of security to you and your family. Buying a home remains a dream for many, who fail to gather enough finances for the same. In these times of economic uncertainty, it has become even more imperative that one saves as much as possible in the purchase process.
Taking out a mortgage for the purchase of your first home can be a daunting challenge due to the high down payment involved and also the taxing interest rates. This is one problem where a government grant can help you out. There are various types of government grants and loans for home buyers. This includes the American Dream Down payment Initiative, which was introduced in 2003. Apart from the grant programs of the U.S. Department of Housing and Urban Development (HUD), you may also apply for programs initiated by the states, local authorities and organizations to help home buyers in their territory.
Quick Facts About Government Grants
There are various types of grants which can help people looking to purchase their new home. Though most programs have been developed by HUD, the department does not allot these grants directly.The following are some basic facts about government grants for first time home buyers.
1. To begin with, one has to know that these grants are not loans, but government assistance for the development of the community in general.
2. No such grant program will provide you with 100% finance assistance for buying a house. In other words, none of these programs will offer you 100% cost of the house. In fact, most of these first time home buyer grants cover only less than 10% of the cost of the house.
3. It is mandatory to attend the HUD-approved housing counselling class, so as to qualify for grants offered by these programs.



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Thursday, 5 March 2015

Apply For Federal Home Improvement Grants-Free HUD Grants Online

Apply For Federal Home Improvement Grants-Free HUD Grants Online


Home renovation work is a necessity for a protected and energy efficient living, but this requires huge expenditure which is unaffordable for financially constrained people. Making your home energy efficient and a safe place for your family requires replacing, repairing and modification work. The U.S. government every year offers grants and funds to afford the renewal work, facilitating better living standards.
There are, however stringent rules and procedures for the application process and varied eligibility criteria to be fulfilled. To apply for federal home improvement grants successfully, applicants must appraise themselves with the stated conditions and the modus operandi. Seek for the grants from the federal government, state, local or community agencies and apply today.
Steps to Apply for Federal Home Improvement Grants
Online research: make a thorough online research for current information on home improvement grants in the U.S. government sites. Don’t get puzzled between loans and grants or carried away by paid services or outdated grants. Key in your required search term and look for grants in authorized, reputable government sites like Grants.gov and make a detailed note about each funding program. 
Collect extra information: pay a visit to the local county office, Department of Housing and Urban Development or state housing development authority for additional information from the government representatives. Several nonprofit organizations, churches, and charities also award grants. Also, check if the grants are applicable in your area or location. Inquire about housing preservation programs from the USDA Rural Development office.
Eligibility criteria: know your eligibility criteria and also the procedure to apply for the grants. The maximum amount awarded by Home Repair Loan and Grant Program for the restoration work is $7,500 and it is granted to senior homeowners above 62 years. The money is given for renovation work, improving accessibility for elderly and handicapped people, developing bathrooms, replacing the septic systems, removal of health hazards, updating utilities, weatherization and more. People with low or below income level can use the money for a decent and safe living.
Note the proposed cost for improvement: for obtaining a Home Improvement Grant it is important to have the cost estimate for the project. Analysis of the financial requirement for the project helps in many ways like in case the grant does not cover the entire cost of the project it helps the individual to arrange for the necessary financing. There are a few grants which may cover the entire cost and some grants may only fund parts of the project. There are cases where the percentage of grant is based on income or the amount of fund available. It is important to keep a meticulous estimate for the work that needs to be done. Eligibility for free home improvement grants can be enquired from a local government representative.
Prepare all documents: several financial information, monthly income, bank balance, property information, tax returns, documentation, credentials, mortgage, current employment, assets, earlier significant data about home, past inspections and others are needed. Information and requirement for the documents will vary as per the grants applied. All credentials must be arranged and cross-checked for any error as inaccuracy might get you rejected for the grants.
Apply for the grants: whether online or in person, the submission process for the grants must be done carefully, putting together all documents in order to proof. The paperwork must be fully completed and re-checked. A second copy must be made of the submission papers. Also, check the deadline and submit before filing date and time. If you submit papers in person then receive a ‘receipt’ of submission.
Apply for Federal Home Improvement Grants following the steps mentioned and get you grants that offer your family a secured livelihood under a renovated and modernized shelter.



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Monday, 2 March 2015

Free Home Repair Grants and Loans For Low Income Homeowners

Free Home Repair Grants and Loans For Low-Income Homeowners


The U.S. government has taken the initiative to offer loans and grants to homeowners with low earnings or thin bank balance to facilitate a healthy and secure livelihood for all. Implementing the decisions, The Rural Home Repair Grants and Loans program, governed by the US Department of Agriculture, gives loans and grants with the mission to improve, develop, repair, renovate, modernize and eradicate safety hazards in rural residing areas.
In 2014, USDA Rural Development spent more than $114 million for repairs, homeownership and housing assistance for rural Nebraska families. According to Maxine Moul, Nebraska State Director of USDA Rural Development, the Fiscal Year 2015 will offer better aid and financial help for the rural residents for their further development. USDA Rural Development facilitates two loan programs- the Single Family Housing Direct Loan program and the Single Family Housing Guaranteed Loan program, offering 100% financing for house ownership at reasonable rates through approved lenders.
If you too fall into the low-income bracket, looking for house ownership or repairs, apply for these free home repair grants/loans immediately for a secured living.
Eligibility Criteria for Qualifying
To qualify for the loans there are certain eligibility criteria to be fulfilled: 
·         You need to be a homeowner with considerable low income i.e. below 50 percent of the area median income
·         You must be a U.S. citizen or a resident of rural area
·         You need to be 62 years or more
·         You must not be able to repay a Section 504 loan
The Set Terms for the Loan
For low-income house-owners, loans can be granted for a tenure of up to 20 years at an interest charge of 1 percent. For beneficiaries who are 62 years of age or older, grants may be arranged which can be used for minor alterations like repairs and improvements, limited only to remove safety or health hazards. For applicants who can repay part of the cost, loan/grant combination may be arranged too.
Amount of loan and grant is restricted to $20,000 and $7,500 respectively. Both can be combined with a maximum of $27,500 in assistance. For loans of $7,500 or more a real estate mortgage and a full title service is required. In case the property gets sold in less than three years, the grants may also be forfeited.
In rural areas or communities with less than 20,000 people, homes can be repaired using USDA Funds. Various repairs and maintenance including insulation, plumbing, electrical fixes, water and septic systems etc. can be done using these funds. Moreover, it also offers accessibility to disabled people.
So, if you have an ageing home with old roofs, doors, window, unsecured arrangements or health hazards, you can seek for financial aid for the repair work or the needed enhancements. These loans and grants enable low-income earners to make the necessary restorations and replacements that are otherwise quite impossible for them. Through this USDA program, a family can avail $3,000 loan with just monthly payment being $13.80. Apply for the loans/grants today if your home too requires restoration.



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Wednesday, 25 February 2015

Free Grants Money For Home Improvements For Veterans

Free Grants Money For Home Improvements For Veterans









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Sunday, 22 February 2015

Free Home Grants For Veterans-Home Buyer and Home Repair Grants

Free Home Grants For Veterans-Home Buyer and Home Repair Grants


Veteran home loans are funds allocated to eligible American Veterans and also to their spouses through the U.S. Department of Veterans Affairs (VA). The US government undertakes to grant financial assistance to people who have served the nation by offering varies home loan programs for property ownership without any down payment.
With the aim to serve eligible Veterans and Service Members, the US government offers benefits for home loans and also other housing programs that enable them to construct, purchase, retain, repair homes for an affordable and healthy livelihood.
As a Veteran, you can benefit from the VA loans and also other government grants for the best and required housing plan for your family.
Benefits of Government Home Grants
Over the years, the home loans from the Veterans Affairs have lent a helping hand to over 21 million Veterans and Servicemen to fulfil their dreams of home ownership. The home loans are however not lent directly but through private lenders like mortgage companies and banks. The specific benefits to avail are:
  • $0 down payment
  • Low-interest rates
  • No insurance required for private mortgage
  • Eliminates extra expenses of mortgage insurance
  • Portion of a loan is guaranteed by the Department of Veterans Affairs
  • Enables in attaining favourable loan terms from lenders
And there is more.
Interest Rate Reduction Refinance Loan (IRRRL): also known as the Streamline Refinance Loan, for veterans with existing Veterans Affairs (VA) loan, this provides an option to obtain a lower interest rate by refinancing loan.
Native American Direct Loan (NADL) Program: it provides an option for reducing the interest rate on VA loan to Native American Veterans or even get financing on construction, purchase or enhancement of homes on Federal Trust land.
Adapted Housing Grants: for Veterans with a permanent and total service-connected disability, this grant provides help to purchase or build an adapted home or an option to alter an existing home for their disability.
Other Resources: there are several other resources many states offer to the Veterans including help like property tax reductions.
Eligibility for the Veteran Home Grants
To qualify or be eligible for the Veterans Affairs loan grants, Veterans need to fulfil certain criteria that are stated below:
  • The service requirements of the Veterans are required to be any of the two types: wartime or peacetime.
  • Wartime Veterans should have worked for a minimum period of 90 days consecutively
  • Peacetime Veterans should have worked for a minimum period of 181 days consecutively
  • National Guard or Reserves Veterans are required to work for a minimum of 6 years
  • Deceased or service related disability Veterans’ surviving spouses are also eligible if only they have not re-married
Few more eligibility criteria.
Purchase Loans and Cash-Out Refinance: for personal occupancy loans veterans must have adequate income, good credit score, COE i.e. Certificate of Eligibility and few service requisites.
Interest Rate Reduction Refinance Loan (IRRRL): this is a "VA to VA" loan that can be used to finance a previously VA loan.
Native American Direct Loan (NADL) Program: to apply for this you must possess legal Certificate of Eligibility (COE) and have the required service records.
Adapted Housing Grants: it can be availed along with Special Housing Adaptation (SHA) grant or Specially Adapted Housing (SAH)
VA sponsored loans have proved to be beneficial for veterans over the years. Even HUD had offered above 58,000 Housing Choice vouchers to veterans in the country (2013) that enabled them to reside at market rate rental accommodation. HUD has provisions for women Veterans, those who are back from combat regions and also those with disabilities.
For any homeless Veterans, VA offers resources, needed support and help in allocating houses. Through The Grant and Per Diem, (GPD) Program VA offers almost 65% of the funds for the construction project. So, if you have served the country, the government also has the best of services and programs to serve you back.



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Thursday, 19 February 2015

Apply Free Federal Grants For First Time Home Buyers

Apply Free Federal Grants For First Time Home Buyers


“Home is where the heart is” goes the proverb. Purchasing your dream home can be both an enjoyable and stressful experience for the first-time buyers in this mysterious world of real estate. Owing the keys of your home incurs a big financial commitment and also careful planning at every step.
The US government has provisions for varied types of grants for all low or mid-income people desirous of possessing a home. Residents of all the 50 states can avail over 1000 forms of grant programs each year according to their requirements and financial status through the federal agencies. For better coordination and synchronization of work, office of the community affairs and housing department is set up in each state for the allocation of funds distributed by the federal government.
Federal government does not directly offer funds to individuals or families but through states and city agencies to help offer at least a minimal amount of the expenses of purchasing a home. These funds usually cover 10% of the value of the house. So, if you fall in the low-income bracket and planning for a first-time home purchase then look for the grant programs and apply today.
American Dream Down payment Initiative (ADDI)
On December 16, 2003, under the aegis of President George W Bush, the American Dream Down payment Initiative (ADDI) was signed into law. The program is meant to financially assist approximately 40,000 families every year which incorporate down payments, rehabilitation assistance and closing costs for the qualifying families. Individuals need to qualify for the ADDI program for which their earnings must not exceed 80% of the area median income.
According to the program, the sum of the grant is set up to $10,000 or 6% of the total purchasing amount for the house, whichever is more. The Department of Housing and Urban Development (HUD) takes the initiative for the funding of the amount to all the fifty states for the possession of one-to-four-family housing, cooperative unit, condominium unit and also manufactured housing.
HOME Investment Partnerships Program
HOME, formed by HUD, is a federal assistance program that facilitates low and below mark income earners in purchasing of affordable housing. Referred to as the largest Federal block grant to States and local governments, this program offers as much as US$2 billion every year to the deserving families residing in all the 50 states and also in localities.
203(b) Mortgage Insurance
Individuals who finally qualify for home ownership grants can obtain a mortgage insurance program from HUD through any private institute like banks, loan or savings association or mortgage company having the legal rights to lend to people. The HUD will insure the mortgage under this grant. However, there are certain eligibility grounds for this program that you need to pass:
The borrower has been to fulfil the FHA credit qualifications
Every borrower is entitled to 96.5% financing and the upfront mortgage insurance premiums can be included in the mortgage
An annual insurance premium needs to pay by the borrowers
The properties entitled to this plan will be one-to-four unit structures
For the mortgage insurance program immediately contact your lenders approved by FHA
Federal Housing Administration (FHA)
Since 1934 the FHA, which is a division of HUD, have been facilitating families to own a house through insuring the loans. This enables you to attain a better agreement from your lender. With FHA lending a helping hand, you can be rest assured of:
·         Low down payments which can go down to 3.5% of the actual cost of purchase
·         Easy credit to qualify for loans or grants
·         Fewer costs for closing
FHA has more to offer! For all citizens above 62 years of age having less loan balance, who reside in a house and also have its absolute ownership, the FHA Reverse Mortgage assists you in the conversion of a fraction of equity into cash.
As an enthusiastic buyer, you first need to enrol in counselling classes approved by Department of Housing and Urban Development (HUD) that offer budgeting plans, assistance in availing finances and qualifying for a mortgage. Get the best help from the counselors, plan your expenditure and avail the most suitable grants for your dream home today.



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Tuesday, 27 January 2015

Home Improvement Loans-Get FHA Home Improvement Loans Online

Home Improvement Loans-Get FHA Home Improvement Loans Online






Other Useful Resource - http://portal.hud.gov
                                        www.govloans.gov



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Thursday, 15 January 2015

First Time Home Buyer Grants-First Time Home Buyer Loan Programs

First Time Home Buyer Grants-First Time Home Buyer Loan Programs








Other Useful Resource - http://www.govloans.gov



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