FIND and APPLY for Federal Grants. The U.S. Department of Health and Human Services is proud to be the managing partner for, 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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Sunday, 5 August 2012

Florida First Time Home Buyer Grants-Free Housing Grant Money

Florida First Time Home Buyer Grants-Free Housing Grant Money

A variety of programs are available to first time home buyers in Florida from the state and federal government as well as private agencies. Most programs have income limits and other criteria that applicants must meet. The programs are designed to encourage home ownership in Florida and extend the opportunity to as many citizens as possible.
First Time Homebuyer Program
The Florida First Time Homebuyer program makes a first home attainable. The first time homebuyer program (FTHB) provides loans at fixed interest rates through participating lenders. The loans are guaranteed by the state increasing the buyer's ability to obtain a mortgage. Applicants must complete a home buyer education class and have a FICO score of 600 or higher. There are income eligibility requirements, for example, in Seminole County. A family of four cannot have a combined income higher than $84,000 and cannot purchase a home for more than $377,791. The Florida Housing Finance Corporation has more information. Contact a lender such as a local bank or mortgage company to apply.
Downpayment Assistance
Two down payment assistance programs are available in Florida through the State Housing Initiatives Partnership (SHIP) which has offices in all 67 counties. Florida Assist is a zero percent loan of up to $10,000 toward down payment and closing costs. The loan does
not have to be repaid until the home is sold or the mortgage is paid off. There are income eligibility requirements for this program. Home ownership Assistance for Moderate Income (HAMI) provides up to $5,000 toward down payment and closing costs at five percent interest. This program assists those whose income exceeds the requirement for Florida Assist.
Florida Homebuyer Opportunity Program (FL HOP)
Florida offers an advance on the federal tax credit to help home buyers. The FL HOP program offers Florida home buyers an advance on the $8,000 first time home buyers tax credit offered by the federal government as part of the American Recovery and Reinvestment Act of 2009. The program has the same eligibility requirements as the federal program. FL HOP will provide $8,000 in purchase assistance to successful applicants and the money must be paid back when the applicant receives the federal tax credit. The program is administered through the State Housing Initiatives Partnership (SHIP) which has offices in all 67 counties.
Habitat For Humanity
Habitat For Humanity is a Christian non-profit organization dedicated to assisting low income families become home owners. Habitat uses volunteer labor and donations to build or rehab houses, then offers them with zero interest mortgages. Average mortgage payments are from $350 to $550. Applicants must contribute $1,500 toward the cost and spend 500 hours working on Habitat housing projects as well as meet minimum and maximum income guidelines. A complete list of program requirements is available through a local Habitat For Humanity affiliate. There are 64 affiliates in Florida.
Homeownership Voucher Program
The Homeownership Voucher Program allows low income families currently using the Housing Choice Voucher program toward rent to apply the voucher toward buying a first home. The house must pass an inspection by the Public Housing Authority; the family must meet minimum income requirements and all family members must be first-time home buyers. One adult family member must be employed full-time for a year to qualify and the family must complete a home ownership and housing counseling program. This program is administered by the local PHA and may not be offered by all of them with one exception, the program must be made available to the disabled. There may be a waiting list for this program.

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  1. i am so happy to see first time homebuyers has a change to get some help.this is wonderful. Myhat's off to you.

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