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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Source:- http://www.buzzle.com/articles/government-grants-for-first-time-home-buyers.html
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Saturday, 21 March 2015

U.S. Home Loan and Grant Programs For the Disabled-Apply Online For Home Grants For Free

U.S. Home Loan and Grant Programs For the Disabled-Apply Online For Home Grants For Free


Seeking to purchase a home can be a challenging task with limited funds to pay for rent, mortgage, and maintenance. For the economically deprived disabled it is a tougher job. More than 40 million mentally or physically disabled people live in U.S. and finding a decent and affordable shelter got them is a necessity.
Agencies awarding home loan and grant programs for the disabled, nonprofit organizations, national and private agencies, associations and public groups have sprung up to offer housing assistance to the physically impaired for a secured living. Disabled people can now avail financial aid for down payments, mortgage and maintenance that in turn assists them to reside in their personal homes under preferable conditions.
Home Loan Programs That You Can Avail
Owing a house instills a sense of independence and self-sufficiency. Several associations, nonprofit organizations, private or government institutions have thus initiated various home loan programs and mortgage aid for the disabled that financially helps them to invest in house purchasing. Have a look at the local, state and national programs created for you. 
Home Ownership Voucher Program
Administered by the Section 8, U.S. Department of Housing and Urban Development, this federal housing program assists low-income disable families with monthly mortgage payments for their first-time home purchasing.
Home_Loan_and_Grant_Programs_For_the_Disabled
HUD’s federal housing program enables financially challenged families with disabilities to afford to buy or rent a home. It offers subsidies to homeowners and renters and also home purchasing support payments on a monthly basis to pay off the mortgages.
Fair Housing Act
Disabled people can attain security against any discrimination during home purchasing or home ownership. FHA secures you against realtors, lenders, banks, estate agencies, home-insurance companies, real landlords and housing counselors. Moreover, there are certain set accessibility standards in multifamily living units for the ease of the physically impaired.
Homes for Our Troops
Disabled veterans and severely injured individuals can now avail separately adapted homes free of cost from this nonprofit organization. Cooperate building contractors, commercial donors, suppliers, local volunteers and other business groups offer donations in support of Homes for Our Troops.
Fannie Mae
Fannie Mae program presents the low or moderate income earning families with financial products and services. The program also provides for most of the closing costs in house purchasing and has provision for low down payment (approximately $500) for applicants seeking to buy a home.
Home buyers with disabilities or even families who have a disable member can avail assistance for buying a home and making modifications through the Fannie Mae Community Home Choice with PHFA Access Modification.
Supplemental Security Income
A financial aid program, it offers disabled and legally blind U.S. applicants funds for the steady income that enhances their chance to qualify for federal loans. Disabled people with limited or low income and resources can apply for the program.
Habitat for Humanity
Habitat for Humanity is a globally acknowledged non-profit Christian organization that constructs homes for monetarily deprived disabled families. Moreover, mortgage loans are also provided by the volunteer work, donations, federal, local, private or state resources as per the need of the candidates. Offering independence and self-sufficiency, the organization has built more than 250,000 safe, secure and affordable houses in varied locations of the world thus, offering shelter to more than 1 million people. Apply today if you are in financial need.  
And there is more! If you have dreams of purchasing a home then there are the plethora of options at your disposal. Notable national resources like National Organization on Disability, National Disability Institute and American Association for People with Disabilities offer housing assistance programs to the physically impaired for a secured living. Moreover, there are National Opportunities for Affordable Housing Foundation, Americans with Disabilities Act, NCB Capital Impact and others that have all come together in the effort to provide the best possible support to fulfill your desire to own a home----your independent shelter.



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Sunday, 15 March 2015

Free Home Buying Grants For Disabled People-First Time Home Buyer Grants

Free Home Buying Grants For Disabled People-First Time Home Buyer Grants


Looking for housing, paying the mortgage, maintenance and bill payment can be a daunting task for low-income earners especially with disability problem. The U.S. government, state agencies, and nonprofit organizations offer financial assistance, guidance, counseling and other necessary support to the disables through varied grants and loan programs for the purchase of home, paying home debts, mortgages, acquiring equipment, home repairs and improvement and other such dwelling necessities. With these grants, a decent living even with limited economy seems to be affordable now.
Housing Grants for the Disabled
Department of Housing and Urban Development
There are many grant funded programs offered through the Department of Housing and Urban Development (HUD) for helping individuals with disabilities. They provide help in house purchase, renting a home and also assistance in obtaining housing vouchers. The federal housing program provides financial help to moderate or low-income families in renting or purchase of a house. The main goal of this program is to make renting and purchase affordable for people with limited economy. The section 8 in the program proposes subsidies for both homeowners and tenants. The Homeownership Voucher program helps the low-income disabled by providing vouchers for reducing the monthly mortgage payment or house rent.
The program can be availed by contacting the local public housing authority (PHA) and in case the PHA's don't offer ownership as an option, housing counselors can be contacted in the respective state. They are appointed by HUD and are certified to assist individuals with housing needs.
Habitat for Humanity
Free Home Buying Grants For Disabled People

Habitat for Humanity is an option for disabled or low-income individuals in getting aid with down payments or mortgage payments. They can also provide other assistance such as zero-step entries, wide doorways, and other needs. This is a global Christian non-profit organization that specializes in building accessible homes, through the mortgages being given through local, private, state and federal sources, volunteer work, and donations. If selected by the Habitat for Humanity’s family selection committee, then the organization will build the home.
The Habitat for Humanity has already built more than 250,000 houses all over the world, helping more than 1 million people spread across 3,000 communities to achieve a decent and affordable shelter. If you are also in need of a residence, apply for it today as after the initial application an average of 18 months is required for the Habitat for Humanity owners for attaining occupancy.
Home Ownership Voucher Program
Low level or moderate income disable families can now buy their shelter through the Home Ownership Voucher Program which is linked with the Department of Housing and Urban Development. Though not free of charge, this program enables in fulfilling monthly mortgage payments for the first-time home buyers. The eligibility criteria for the program are:
Applicants need to owe a home for the first time
No family member should have had home ownership interest in the previous three years excepting displaced homemakers or single parents
At least one member of the family must be disabled
The annual income of the adult family members’ owning the home should not be less than a single residing individual’s monthly Federal Supplemental Security Income benefit multiplied by 12
The family also needs to fulfill the housing counseling program and pre assistance homeownership of PHA
Fannie Mae Home Choice Program
Fannie Mae Community Home Choice program offers financial products and services to all states for the lower and middle-income families. It helps low-income or disabled individuals to buy a home by offering aids like smaller down payments, lenient credit evaluations and also provide them with mortgage-qualification aid which has lower debt-to-income requirement.
The U.S. government has more to offer. The Fair Housing Act, Supplemental Security Income, Fair Housing Act, Americans with Disabilities Act and several other organizations also offer housing disability grants for a well secured, reasonable and humble dwelling.





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Tuesday, 10 March 2015

Free Housing and Home Repair Grants For Senior Citizens From Federal Government

Free Housing and Home Repair Grants For Senior Citizens From Federal Government


Senior citizens with below income level often find it challenging to look for shelter with their limited budget. Seeking house in different locations and encountering confusing information can be more daunting and stressful. The Department of Housing and Urban Development has thus, fabricated multiple programs and options that cater to their special needs that enables comfortable and secure living.
The HUD through the US government allocated funds to state, city or local agencies that evaluate housing requirements and options of eligible candidates and offer affordable and free housing assistance with all the basic amenities. Look for the required federal housing and home repair grants for senior citizens and apply for a secured and comfortable living.
Federal Housing Grants to Apply for
HUD Section 202 Supportive Housing for the Elderly Program
The Department of Housing and Urban Development provides the senior citizens with rent subsidies for affordable rehabilitation, construction, or acquisition of housing. This rental program is directed towards below income level elderly citizens to help them reside independently in a well supported ambiance that includes transportation, cleaning, cooking, security and safety.
Free Housing and Home Repair Grants For SeniorsHousing Choice Voucher, the key housing grant program of the federal government, offers financial aid to almost 2.1 million households for locating safe townhouses, single-family homes and apartments. HUD offers the housing funds to public housing agencies (PHAs) for the administration process.
For the fulfillment of the projects and expansion of housing for the elderly, HUD offers interest-free capital to nonprofit or private sponsors that are non-repayable. The rental funds make up for the difference in the operating cost approved by HUD and the tenant’s monetary input for the rent. The funds are initially approved for 3 years and later renewed. For the eligibility criteria certain important points must be noted:
Private nonprofit associations and nonprofit consumer cooperatives that fulfill the stated norms in the program and General Section can apply
Applicants under the Notice of Funding Availability (NOFA) are only applicable
Very low-income families with at least one individual of 62 years can apply
Application must be submitted in Notice of Funding Availability (NOFA) in the Grants.gov.
USDA Affordable Rural Housing
The United States Department of Agriculture (USDA) through its Section 515 Multi-Family Housing (MFH) program helps senior citizens by offering them subsidies for more than 15,000 complexes. The apartments, spread across all rural sectors in the 50 states, range from studio apartments to four bedroom houses. The income level for the eligibility criteria, however varies as per the location.
Public Housing
Public housing is a federal program that offers secured, decent and affordable housing to low-income elderly and also to disabled people. There are 1.2 million households of varied sizes that are awarded to Senior citizens having below 80% of the median income of the country. Facilitated by HUD, these rental houses are administered by 3,300 local housing agencies (HAs). However, the professional and technical support is offered by HUD for the development work.
To qualify applicants must:
Be US citizens
Be 62 years of age or above
Submit references certifying that you or your family will be good tenants and will be favorable for other tenants
FHA Reverse Mortgages
For owners above age 62 who have paid off their home mortgage or have paid off significant amount of the mortgage are eligible for participation in FHA's Home Equity Conversion Mortgage (HECM), often known as reverse mortgages. This program enables owners to withdraw part of their equity in the home with limitations. The same program can be used to purchase primary residence if the home owner can pay the difference between the total cost of the property and the HECM proceeds.
Evaluate your needs and browse through the HUD federal housing grants for senior citizens for the required rental assistance. You can also seek help from local and nonprofit organizations for housing support. Plan your expenditure and apply soon for the most suitable grants for your shelter.




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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.
Apply For Free Federal Home Improvement Grants
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
Free Home Repair Grants and Loans For Low Income
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


Free Home Improvements Grants For Veterans

first time home buying grants 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 fulfill 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:
    Free Home Grants For Veterans
  • $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 favorable 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 fulfill 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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