July 2022 - Home Property Grants-Free and Approved

July 20, 2022

Home Improvement Grants For Low Income Senior Citizens-Home Repair Grants

July 20, 2022 0

Getting your home repaired can be a huge challenge if you are running out of money. A repaired, remodeled and renovated house can be an essential need for senior citizens that will enable them to stay in their homes securely and have better accessibility.

However, the costs of repairing are expensive and unaffordable with low savings and no income.

Well, grants from the government, nonprofits, state and local governments, and community agencies can financially support the expenses.

HUD Home Improvement Grants

Very Low Income Grant Program by HUD

It offers federal grants and loans for home repairs to senior citizens residing in eligible areas and having the stated low-income level. Administered by the U.S. Department of Agriculture (USDA), the grants are given by the rural development offices that offer grant amount up to $7,500, home repair loans up to $20,000 and grants and loans combined up to $27,500 to 62 or older senior citizens.

Also named as the Single Family Housing Repair Loans and Grants, the grant program facilitates in modernizing, repairing and improving homes and removing safety and health hazards.


Eligibility Criteria

  • Must have a family income less than 50% of the area median income
  • Must be the homeowner and occupant of the house
  • Should not be able to get affordable credit elsewhere
  • Must be 62 years or above
  • Cannot repay a repair loan
The interest rate for the loan is 1% that can be paid back over 20 years and grants have lifetime limit up to $7,500. However, a combined loan and grant is given if partial re-payment is possible.

Look up the Department of Health and Human Services Eldercare Locator website and browse the Home Repair and Modification section.

Home repair loan is also available from HUD given by private lenders that are HUD insured.

State Grants

Medicaid Home and Community Based Services

Many states have Medicaid waivers that offer monetary help for home modifications to assist seniors to live independently in their homes. The eligibility criteria and benefits may differ from state to state. Get more information from the Medicaid office.

Besides, states and local governments offer assistance programs like ‘deferred payment loans’ and ‘nursing home diversion programs’ that offer grants, loans or combination of both to low and moderate income earning seniors for home modifications.

These may include home repairing like insulation, roofing, heating and cooling, storm windows, weather stripping and modifications like installing wheelchair ramps, grab bars or handrails.

You may also apply for weatherization and window replacement grants for improved energy efficiency.


Also, check for state, nonprofit and municipal housing agencies’ home repair programs. Contact the state housing finance agency, Area Aging Agency or your city housing authority for more information.

Nonprofit Organizations

Home repair grants for senior citizens are also given by nonprofits like Habitat for Humanity, Rebuilding Together, PacifiCorp Foundation and Salvation Army.

Get your senior citizen home repair grants today and live independently.
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July 13, 2022

First Time Home Buyer Grants For Senior Citizens With Disability

July 13, 2022 0

Are you looking for a grant? There is a housing adaptation grant for everyone.  Disabled persons can get them too. We know that every grant has certain goals. Hence, the aim of this grant is to make necessary changes to homes for them.

This scheme works for people with different categories of disabilities. Other than this, people with mental health difficulties can get a grant too. So, the grant is just the right fit for disabled persons.

first time home buyer grants elder people

How The Grant Helps

With this grant, you can improve the adaptations in your home. So, do the necessary changes to your home. You may add an extension to your existing structure to extend its space.

Besides, you can build one ground floor bathroom or add a stair lift. There are certain conditions that allow you to go for heating solutions. However, it depends on certain provisions.
    You can opt for the Mobility Aids Grant Scheme. Use it for making minor changes to your home. But, there is another grant program for older people. This is Housing Aid for Older People Scheme.

    The Housing Adaptation Grants for Older People with Disability Regulations authorizes these programs. Other than this, the local authorities manage all these programs.

    Besides, there are other benefits for disabled people. If you buy appliances or other aids, you can have VAT refunds from the grant. The refund scheme can help you with the installation and adaptation tasks. However, there are certain rules to claim the housing grants for disabled.

    Conditions to get Grants

    You can get housing adaptation grant only under certain conditions.
    • Housing purchased under the Tenant Purchase Scheme from a local authority
    • Housing owned by owners
    • The Voluntary housing Capital Assistance offers schemes for adaptation
    • Rental Subsidy scheme offers accommodation too
    Your disability helps you get low priced homes. But, if you build one, you can lower your rates too. During purchasing, you must confirm that your place is a normal residence.

    In case, you are a tenant, you must have approval from your landlord. Other than this, however, there is another application process depending on medical needs.

    Key Stages to Application Approval

    The selection process is based on three key priorities.
    A person is eligible under a few medical conditions:-
    First
    1. Terminally or fully ill
    2. Dependent on family or career
    • Needs adaptations to be discharged from hospital
    Second
    1. Has mobility but needs help for the washing, accessing toilets and so on
    2. Mobility is hindered without alterations and adaptations
    Third
    1. Mobile, active and independent,
    2. needs assistance to improve their quality of life
    It is not over yet. Your eligibility also depends on the assessment by occupational therapists. The housing adaptation grant works only when you have a test report.

    Medical Assessment

    The grant scheme allows you to arrange an OT through a local authority. However, you can arrange it by yourself. You are able to recover up to €200 from the grant amount. But, it is subject to the maximum grant limit.

    You may also read- Home Improvement Grants For Veterans and Low Income Families
      Alongside, seek grant help for your disabled child. The Disability Act 2005 part 2 has some protocols. It works for house adaptation. So, use it for your disabled child. But, you need to have an assessment report from a local OT too.

      Besides, there is another eligibility test for the housing adaptation grant. This involves your household income.

      Household income

      • Annual gross income of the owner or tenant in conjunction with spouse’s annual income
      • Any other’s household income aged about 23 years or above.
      However, follow certain rules. If you, they can strengthen your application process. You must wait until the grant is approved. If you start the adaptation work earlier, your grant will be rejected.

      If you are eligible, download the application form now from the local authority website. Submit all the documents and wait for approval.

      You can also check out the following articles




      For full information, Visit - https://www.homegrantsinfo.com/
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      Foreclosure and Mortgage Assistance Programs For You

      July 13, 2022 0
      Foreclosure and Mortgage Assistance For You-get your foreclosure and mortgage assistance programs and pay off your dues to live securely with your family.

      Paying off mortgages and foreclosure can be really intimidating and with meager savings or income it can even lead to evictions or homelessness. To offer assistance to families at poverty level grants and benefit programs have been initiated by the government, state or local agencies, nonprofit organizations and banks that can help settle down payments, foreclosures and mortgage issues. Families may also seek legal help.

      Read thoroughly for all available programs and live securely with your family.



      Mortgage Assistance Programs to Apply for

      Government Assistance
      States, counties and local governments offer assistance to low income earners for their mortgage and foreclosure. The US government has initiated loan modification services, refinancing programs, foreclosure prevention programs and mortgage assistance programs that help disadvantaged people from getting homeless.

      Mortgage Assistance Programs

      These programs, administered by the U.S. Treasury Department and HUD, are Second Lien Modification Program (2MP), Home Affordable Modification Program (HAMP), Home Affordable Refinance Program (HARP) and Principal Reduction Alternative (PRA).

      There are even assistance programs for unemployed homeowners such as Home Affordable Unemployment Program (UP), FHA Special Forbearance and Emergency Homeowners’ Loan Program.

      Federal Organization

      There are government owned organizations that offer help with foreclosure and mortgage. Fannie Mae and Freddie Mac have initiated programs and services like Borrowers Help Centers, Borrower Help Network and Streamlined Modification Initiative that help homeowners with their mortgage payment. 

      Further assistance programs like Making Home Affordable Program, Hope for Homeowners by the Federal Housing Authority, Military Homeowners Assistance Program and Neighborhood Stabilization Program also can help.

      Non-profit Housing Counseling Agencies

      The nonprofits or the HUD approved housing counseling agencies assist in paying off the monthly mortgage and prevent foreclosures. The services rendered are mostly free of cost. There are special programs for renters, tenants and homeowners.

      While for renters and tenants the programs emphasize more on eviction, for homeowners the programs mostly pertain to foreclosure for assistance with home loan modifications or credit repayment. Nonprofit housing agencies like the Housing Counseling Agency, NeighborWorks America, Neighborhood Assistance Corporation of America, Union Plus and Save the Dream Tour also offer assistance.

      Catholic Charities

      Many foreclosure counseling programs and homebuyer assistance are also offered by catholic charities. The services are provided free of cost all across the nation through their centers. Even community action agencies offer cash grants to avoid foreclosure or homelessness.

      Mortgage forbearance programs are also offered by banks that include Citibank, bank of America, JP Morgan and Wells Fargo. Loans are also available at low interest rates to clear any housing dues.


      Updated List Of Home Repair Grants For Low Income Families

      Federal Legal Assistance

      Federal grants are also given to law offices and attorneys to offer legal assistance to homeowners for foreclosure. The legal officers probe into the matter and offer help to support such homeowners to avoid homelessness.

      If you are also facing issues with foreclosure or mortgage problems then start applying for the federal grants or seek help from nonprofits to save your roof. Apply with your state, local or county offices for support.


      For full information, Visit - https://www.homegrantsinfo.com/
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      July 3, 2022

      Replace Home Windows With Free Window Replacement Grants

      July 03, 2022 5
      Window replacement grants for low income families-Forget your financial worries and get free money to repair and replace windows for better home energy efficiency and comfortable living.

      Well equipped windows are essential for comfortable living and hence replacement and repair are needed in case of any damage. Broken windows can cause infiltration of cold air, chilly window pane, and air conduction through panes hence causing an increase in heating costs. A well equipped and remodeled window can save 10-20 percent of energy costs.

      To support low income families grants and financial assistance is provided by the government, nonprofits, utility companies, and housing agencies that help in replacement or up-gradation of windows. Let us have a look at the new window replacement grants.

      You may also like- HUD Offering $35000 Free Home Repair Grants

      free grants to replace windows

      Energy Star Windows

      Families using Energy Star-qualified windows, skylights, and doors save an average of 12 percent on their energy bills and get tax credits up to $1,500 from the government. The U.S. Environmental Protection Agency and the Department of Energy administer the Energy Star cooperative program.

      Energy Star Windows have low emissivity coatings on windows, doors, and skylights that reduce UV sun damage to the house. Few essential points to know:

      1) Energy Star windows save energy bills by using less energy and saving more

      2) These certified windows help in keeping the temperature of the house at a comfortable level by covering up the overheated spaces and cold drafts

      3) There is a special coating on the window glass that acts as a sunscreen, thus protecting the house

      Assisted Housing Stability and Energy and Green Retrofit Program

      The program is financed by the Office of Affordable Housing Preservation (OAHP) of the U.S. Department of Housing and Urban Development (HUD). The primary aim of the program is to assist low-income families to upgrade their homes and appliances for energy conservation and reduced electricity bills. The homes of the eligible applicants are physically and financially inspected by officers of HUD before the funds are granted.

      Weatherization Assistance Program

      WAP is sponsored by the Department of Energy to financially support low-income families to update their homes and repair their windows for energy saving. A grant amount of $5 billion is given to local and state governments which are later disbursed to eligible applicants for their window replacement or other energy savings repair work or weatherization of homes.

      You may opt for- Free Roof Replacement Grants For Low Income Families

      Applicants must be below the poverty level and must be US citizens to apply for the program. Apply with the state weatherization agency to avail of the grants.

      You may also like- Home Energy Assistance Programs For Low Income Families

      USDA Rural Repair Rehabilitation Grants

      The U.S. Department of Agriculture has initiated the Rural Repair and Rehabilitation Loans and Grants that provide financial assistance for repairing, remodeling or modification of houses, upgrading of appliances, and removing of any health hazards.

      Check it out- HUD Home Repair Grants For Low Income Single Moms

      There are eligibility criteria for the USDA program-

      a. Applicants must be US citizens or should be residing permanently in the country

      b. Should be the homeowner and occupant of the house

      c. The income level must be less than 50 percent of the area median income.

      Self Help Homeownership Opportunity Program

      Below poverty families who build their individual homes are entitled to receive a $15,000 grant amount. Families facing a financial crisis may avail the grant for replacing their windows or upgrading their homes.

      You may also apply with the utility companies, local government, and nonprofits for replacement or repairing of windows to save energy and reduce your bills. Start applying for windows replacement grants now.
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      Reasons To Replace Your Roof-Free Roof Replacement Grants Programs

      July 03, 2022 1
      Reasons Why You Should Replace Your Old Roof With Free Roof Replacement Grants and Programs. It is not an easy decision to replace the old roofing structure as the process requires resources and careful planning. 

      However, installing a new roof will have a healthy impact on your home. It will not only improve the strength and outlook of your premise but also increase the value of your home. Unfortunately, not everyone can afford to bear the replacement cost, even when roof replacement becomes inevitable.

      If you have already observed signs such as damaged underside and curling shingles, it is time to have a roofing expert inspect your premise. The project may seem expensive but it's worth your time and money.


      roof replacement grants

      Following are some of the advantages of replacing an old roof:

      Improved safety

      It is not advisable to keep delaying necessary home improvement activities such as roof repair. Replacing the damaged roof will provide you peace of mind and safety. Old, corroded structures are big safety concerns and they can collapse any time.

      An unexpected collapse can lead to serious injuries and casualties. Inclement weather can even worsen the situation and increases the risk of further breakage.

      A deteriorating roof is a hazard for your family. It all starts with mold and mildew that start growing in the cracks and damage the integrity of a structure. Moisture and cracks seriously damage the roofing structures. It is recommended to consult a roofing service and get an expert opinion.

      Estate Value

      Timely repairs and home improvement programs will increase the value of your property. It is always easy to sell a house which looks healthy both internally and externally.

      So, never hesitate to replace damaged parts of your house so that your property stays in good shape throughout the years.


      Energy savings

      Old structures that are not well-maintained become inefficient in terms of energy consumption. HVAC systems have to work harder when cracks in roofing structure keep losing cooling or heating leading to increased power consumption.

      Reduced energy consumption is one of the prime advantages of replacing a replacing deteriorated roof.


      A roof replacement is an investment that will lead to high returns. The only way to do it right is to hire a top roofing service available in your city. Experts will save you time and money.

      It will be a huge risk if you are thinking to replace the old roof yourself as it requires proper training and tools. It is not as easy a task as you might think. Consult a professional to avoid injuries and unexpected events. 

      Article Source: http://EzineArticles.com/9936466
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      HUD Offering $35000 Home Repair Grants-Free Home Improvement Grants

      July 03, 2022 4
      Apply For $35000 HUD Home Repair Grants and Get Your Home Renovated and Restored For Free

      The federal Department of Housing and Urban Development (HUD) has initiated several home repair grants programs and benefit schemes for low-income people. Financially crunched families often find it challenging to manage funds to repair, remodel, modify or adapt their homes according to their requirements.

      Check if you qualify

      If you are a low income individual, single mom, senior citizen, or veteran who needs help with home repairs and improvements, you may be eligible for assistance through the U.S. Department of Housing and Urban Development (HUD).

      HUD offers home repair grants and other resources to help individuals and families in need make necessary home improvements.

      Single mothers who need financial help with home repairs can apply for a HUD Single Family Home Improvement Program (SFHIP) grant. The program provides grants up to $5,000 that can be used to make repairs or improvements to a single family residence.

      Eligible improvements may include repairs to roofs, windows, doors, siding, and insulation, as well as structural repair or renovation work.

      Seniors in need of home repairs and improvements can apply for the HUD Section 202 Supportive Housing for the Elderly Program.

      This program helps senior citizens cover the costs of necessary repairs to their homes, such as replacing major appliances, improving accessibility, and making energy efficient improvements.

      Eligible applicants must be at least 62 years old and must meet certain income requirements.

      Veterans who need help can apply for HUD home repair grants from the U.S. Department of Veterans Affairs (VA). VA grants provide funding to veterans who have served in the military and need assistance with home repairs and renovations due to service related injuries. Grants are available up to $20,000 and can be used for such improvements as modifying or adapting a home to make it accessible or energy efficient.

      No matter which program you qualify for, you may be able to get help with home repairs or improvements that are necessary for your health and safety. If you think you might qualify for one of these programs, be sure to research your options carefully before applying. Let’s have a look some other HUD home repair grants and programs for you now.


      HUD Home Repair Grants

      Community Block Development Grants

      HUD has initiated the CDBG program for home and neighborhood repair needs and to offer decent living standards to low income communities.

      The funding amount is decided by HUD based on varied factors like poverty levels, housing age, population, housing overcrowding, etc. and the grants are disbursed to local, state and county housing authorities.

      Eligible families and communities receive financial assistance through the HUD grants for the needed repair work, housing assistance, and home infrastructural development.

      The primary purpose is to eliminate safety and health threats. Grants are provided based on certain qualifications and eligibility criteria.

      HOME Homeowner Rehabilitation

      Funds from the HOME Investment Partnership Program are used for repair, reconstruction and rehabilitation work for housing units occupied by existing homeowners.

      To be eligible the homeowner needs to have low income earnings and occupy the property as the principal residence.

      You may opt for- Low Income Window Replacement Grants and Programs

      Nonprofit Organizations

      Home repair assistance is also available from HUD supported and funded nonprofit organizations. Nonprofits like Rebuilding Together, NeighborWorks, Habitat for Humanity, Salvation Family Emergency Services, National Low Income Housing Coalition, The National Fuel Funds Network, and others offer home repairing grants through HUD to ensure complete safety and security of low income earning families.

      Applicants are chosen based on age, income levels, need and disability factors for grants.

      Area Agency on Aging

      Eligible elderly or senior citizens are entitled to receive free grant money and financial support from HUD for their specific home repair requirements. Based on location, city, income level and necessity free grants money are offered to some applicants while others need to pay on a sliding scale basis.

      Grants money can be used for repairing of water tanks, heating and plumbing systems, electrical systems, water taps, roof replacement, window repair, floors, walls, ceilings, doors, kitchen, bathroom, removing hazardous objects, remodeling house for the handicapped for better accessibility, etc. Contact your local Area Agency on Aging for assistance.

      HUD Home Repair Loan Programs

      HUD also offers home repair loan programs for emergency renovation needs.

      Title 1 loan: The HUD Title 1 Program Loan Insurance for Property Improvement can be used for repairing electrical appliances or for restoring of a damaged roof, walls, ceilings, floors, etc.


      Streamlined 203(k): Applicants can get a maximum of $35,000 loan amount for renovating of roofs, septic systems, home painting, waterproofing, gutters or installing appliances, etc.

      203(k) rehab loan: The HUD 203(k) Rehabilitation Mortgage Insurance loan is used for extensive renovation work like landscaping, modernizing of home, remodeling or addition of floors, roofs, ceilings, weatherization work, energy conservation improvements or even building a completely new home.

      If your home also requires repairing or remodeling work then start applying for HUD home repair grants programs.
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      Home Repair Grants For Single Moms-Free Home Improvement Grants

      July 03, 2022 0

      home repair grants for single moms

      There are many home improvement grants for single mothers from different federal, states and local housing agencies. The biggest housing agency in the US is the Department of Housing and Urban Development (HUD) which has multiple programs for low-income families.

      These grants can only be available from various nonprofit organizations, private and public organizations, local and state authorities and other community action agencies.

      If you are a single mother and looking single mother home repair grants to improve the condition of your house, then contact your state housing authorities and be sure to get the most appropriate home maintenance programs.

      Most of the state housing agencies have programs for helping people to make their home's energy efficient and secured.
      Read-
      free home improvement grants single moms


      For full information, Visit - https://www.homegrantsinfo.com/
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