Wednesday, 28 September 2016

Housing Grants For Veterans To Pay Housing Bills-Financial Assistance

For Veterans, the transition phase from military life to civilian life is quite struggling. Unavailability of financial resources and insufficient savings makes it tough to afford housing bills, rent, mortgage payment or home purchasing loans, causing heavy debts. Due bills can cause constant harassment from the renters, creditors and can even lead to evictions, foreclosure, and homelessness.
Financial crisis can be a scary situation hence the federal government, charities, Veteran organizations, community agencies, state and local governments have initiated housing grant programs, preventing homelessness and offering timely financial support and resources.
It’s a joint venture between the Department of Veterans Affairs and Federal Department of Housing and Urban Development that offers housing assistance to monetarily depressed Veterans and their families. Administered by the HUD, the program offers grants that amount up to as much as tens of millions of dollars. Funds are disbursed to Veterans Affairs Supportive Housing Program that is then allocated to nonprofits, charities, local and state housing authorities and accredited organizations. The complete application procedure for the program is directed by the HUD officials.

HUD-VASH supports more than tens of thousands of eligible Veterans from being homeless. The grant amount given may assist in:
Paying housing or rental bills, mortgages and security deposits 
Preventing evictions, foreclosures, and homelessness
Finding a new shelter or apartment for the homeless Veterans to reside
Paying the rent for a year for Veterans who sacrificed themselves
In addition to this, the local Veterans Health Administration medical centers appoint authorized case managers who may help with managing debts, bills, and funds.
Adapted Housing Grants
It is offered to Veterans with a service-related disability to help them pay for home purchasing and construction costs or to adapt an existing home according to their needs for better accessibility and mobility. Veterans can also avail the Special Housing Adaptation (SHA) grant or Specially Adapted Housing (SAH) for land purchasing, constructing a home or for renovation work. VA covers almost 50% of the costs incurred.
Housing Grants For Veterans To Pay Housing Bills
Military Housing Assistance Fund
It’s a private donation program that offers grants and housing benefit assistance to compensate for the closing costs of home purchasing for Veterans and their families. Companies, organizations, and individuals donate funds for the cause. However, funding varies according to the home purchasing price, location of the home and the guidelines set by the VA.
Other Financial Resources
Several other financial resources are available for housing assistance. Nonprofits, charities, recognized associations, organizations and community agencies offer emergency funding, grants, financial assistance, transitional housing facilities and permanent shelter for Veterans and their families. Important names to note are:
American Red Cross
Volunteers of America
Disabled American Veterans
National Association of American Veterans
United Way
Unmet Needs
US Soldiers Foundation
Military One Source
Mercy for Me
Start applying for the Veteran housing grants to pay off your housing bills and reside securely in your affordable and permanent house.

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Friday, 23 September 2016

Home Repair Grants For Senior Citizens To Fix Up Homes

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. Many grants and assistance programs are available for senior citizens, so hurry and get your home repair grants soon.
Very Low-Income Housing Repair Program: 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 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
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 repayment 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 Home Improvement Loans given by private lenders that are HUD insured.
Grants For Senior Citizens To Fix Up Homes
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 Medicaid office.
Besides, states and local governments offer assistance programs like ‘deferred payment loans’ and ‘nursing home diversion programs’ that offer grants, loans or the combination of both to low and moderate income earning seniors for home modifications. These may include home repairings 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 grants for improved home 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.

Tags- home improvement grants for single mothers,grants for window replacement,grants for Veterans, hud grants for home repair, low-income home repair,for senior citizens,for single moms.
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Monday, 19 September 2016

How to Apply For First Time Home Buyer Grants-Steps To Apply Online

Low-income families struggle hard to purchase a home but insufficient earnings and savings can be a big hurdle in fulfilling the dream of homeownership. Grants are available from the government, states, local authorities and nonprofits that can help purchasing townhomes, apartments, homes in cities, rural areas and suburbs.
If you are a first time home buyer then you must attend HUD approved house counseling classes. Applying for the grants involve certain important steps that also need to be considered. Make a thorough research and start applying.
First Time Home Purchasing Criteria
First time home purchasing grants apply to those, who have never acquired a home but there are some exceptions and variations to that rule. Each state has its own rules and eligibility criteria to get qualified for the grants. Let’s have a look:
First-time homeowner applicants must not have owned or purchased a home in the last three years
An income limit is set by every state and the applicants’ income need to be within the stated limit
If he/she has bought a home it must be mobile and portable
Must be able to display financial needs

Steps for Your First Time Home Purchasing Program
First time home purchasing assistance programs are initiated by the government, charities, community agencies and recognized organizations for low-income families. HOME Investment Partnerships Program, Federal Housing Association (FHA) Loans, 203(b) Mortgage Insurance Section 8 Housing Choice Voucher Program, AmeriDream Inc. and others have been formulated for eligible applicants seeking to buy a house.
Applicants need to follow few essential steps before they can purchase their dream home and live independently with their families. Let’s have a quick look at them:
Apply For First Time Home Buyer Grants
Researching: research thoroughly for all available options like grants, assistance programs, and loans for home purchasing. Visit the office of the community affairs and housing department, state offices and local offices for detailed information about housing programs.
Get updated information: you must have all updated information before applying for the grants. Check all the important government and non-government sites scrupulously to gather information about home buying grants, eligibility criteria, income limits, purchase limits, procedures and the course of action required
Your state rules: Know about your own state and county rules for home purchasing as they differ state-wise and also check the income and purchase limits set by the state. They usually depend on the number of household members
Contact a lender: Contact a federally approved lender to get your loans or grants. Most government and state offices offer assistance only through approved lenders
Important paperwork: complete the paperwork meticulously; provide essential details like employment history, financial status, income level, household members, debts if you have, credit history, any recommendations to prove your reliability etc. Read through every specific point
Note down every step carefully, research well and apply soon for your first time home buyer grants and get a safe, secure and happy living experience with your family.

Tags- home buyer grants,how to apply,for low-income individuals,for single moms,for veterans,for teachers,free home repair grants.
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Friday, 16 September 2016

Low Income Housing Grants For Home Buying and Home Repair

The U.S. Department of Housing and Urban Development seeks to offer affordable and decent housing conditions for the low-income earning families facing homelessness or poor living conditions. In 2016 HUD has implemented grants and housing benefit programs that help needy families and households to avail safe housing and clean neighborhoods.
States, counties, local governments and community action agencies offer housing grants, funds and assistance through the federal government to families requiring affordable homes. Read the article for the updated HUD housing grants and apply soon.
Low Income Housing Grants For Home Buying
Housing and Community Development Grants
On Sept 12th HUD awarded 77 Native American communities in the country $56.5 million for the betterment and improvement of their living conditions, residential conditions, community developments and suitable environments. The aim of the program is to provide affordable housing and better economic conditions for the Native Americans communities.

The grant program is part of the Indian Community Development Block Grant that was initiated in 1977 for housing and community developments. The grant amount can be used for house building, remodeling or repairing the old house, infrastructural developments of roads, sewer or water facilities or purchasing plots for housing.
Federal Housing Administration Program
The FHA has announced to offer assistance programs to help deprived families from foreclosures and retain their houses. The program will enforce new procedures for mortgage servicers to help them utilize a better process to avoid foreclosures for low-income families. A new and improved process will be initiated to be used by servicers while assessing foreclosure options and home retention alternatives for the borrowers.
The streamlined process will reduce the hassles of servicers and borrowers to determine a delinquency and mitigate the problem. Moreover, the improved program will offer more flexibility to evaluate the unemployed borrower for the forbearance agreement.
Veteran Homelessness Assistance Programs
In July’16 HUD awarded $5 million to almost 42 local housing authorities engaged in eliminating veteran homelessness in the country. By offering additional funds HUD is supporting such housing authorities across the nation to strengthen their work and initiate a joint program between HUD and U.S. Department of Veteran Affairs (VA) to provide immediate services and permanent homes to veterans facing homelessness.
In August HUD and VA have again announced to offer funding for eradicating homelessness for veterans in 7 states. The grant amount will be presently given to 108 veterans through the HUD-VASH i.e. HUD-veterans Affairs Supportive Housing Program.
New Housing Trust Fund
In 2016 HUD allocated almost $174 for affordable and decent housing for the low-income families. The fund has been allocated through Housing Trust Fund, a new housing program that will now function along with the state, local and federal services for better, safer and more affordable living conditions and housing for the homeless, low and very low income earning families.
Almost $3 million has been given to each state that will be utilized by the state housing planners for work like- acquisition of real property, site development and improvement, demolition, planning and administrative costs, relocation help and rental housing operating cost assistance.
Check your HUD housing grants and start applying soon for your house at the most affordable price.

Tags- home improvement grants, for low income, home repair grants,for first time home buyers, window replacement grants,roof replacement money,hud grants,for single moms,for teachers.
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Tuesday, 13 September 2016

Home Repair Grants For Low Income Families-Apply And Get Free Money

Home Repair For Low Income Families

Also Read-

Tags- home repair grants,low income,home improvements,home upgrade,free grants,HUD grants,single mothers,senior citizens,roof replacement,window repair grants,first time home buyer grants.
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Wednesday, 7 September 2016

Federal Foreclosure and Mortgage Assistance Programs For Low Income

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.
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.
Mortgage Assistance Programs For Low Income
Image Source-Flickr
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.
Federal Legal Assistance: federal grants are also given to law offices and attorneys to offer legal assistance to homeowners in 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.

Tags- home buyer grants, home repair grants, for low income,mortgage assistance,roof repair grants,window replacement,home improvements,for single moms.
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Thursday, 1 September 2016

Home Improvement and Repair Grants For Single Mothers-2016 Updated

Occasional repairing work, improvements or remodeling work is essential for the proper maintenance and upkeep of homes. The repair work may include roofing, electrical wiring, removal of hazards, damage mending, pipe work etc but it can quite expensive to afford. Home improvement grants are available from the government, state agencies, and nonprofits that help compensate for the home repairing expenses. Read and apply soon.
HUD Home Improvement
HUD offers home improvement grants like repairing, improving or remodeling of houses to low income earning people requiring urgent home repair services. Single mothers can avail grants from states, local governments, and nonprofits.
Community Block Development Grants: initiated in 1974, CDBG targets home and neighborhood improvement work, needed repair work and infrastructural development. Every year 1209 local government general units receive grants on a formula basis. Entitlement Communities, State Administered CDBG, HUD-Administered Small Cities, Disaster Recovery Assistance and Neighborhood Stabilization Program are some of the CDBG programs that support affordable and decent communities for all.

Nonprofit Organizations: nonprofits and local authorities provide home repair grants approved by HUD. Nonprofits like NeighborWorks, Salvation Family Emergency Services, Habitat for Humanity, Rebuilding Together, National Low Income Housing Coalition and the National Fuel Funds Network offer funds for home repair work. Selection is done based on age, income, disability, family members, financial need, and urgency.
Grants and loans like Neighborhood and Small Cities Stabilization Program, Insular Areas Disaster Recovery Assistance, Streamlined 203(k), Title 1 loan and 203(k) Rehab Loan are also available.
home improvement and repair grants for low incomeThe United States Department of Agriculture
The USDA grants assist in home improvements like repairing ceilings, roof, heating systems, floors, electrical boards and also removing any hazards. Single mothers may apply for Mutual Self-Help Housing Program and Housing Preservation Grants for free home repairing services.
Weatherization and Energy Up-Gradation
Electricity bills can escalate to huge numbers without up-gradation hence weatherization grants are offered for energy efficiency. Weatherization of home can be expensive for single mothers. The grants help in compensating the expenses and offer services like weather stripping, roof repairing, window replacement, home repairs, wiring repair, wall and attic insulation, etc. Apply today for grant programs like Home Energy Assistance Program (HEAP), Weatherization Assistance Program, LIHEAP Crisis Program and Low Income Home Energy Assistance Program (LIHEAP).
Home Improvement Grants for Disabled
Special grants are also disbursed for disabled mothers for home repairing that helps in better accessibility and mobility. Grants like Single-Family Rehabilitation Program, Urgent Repair Program, Rebuilding Together, and Displacement Prevention Partnership facilitate in home improvement. Mothers with special needs can also seek help from Local Independent Living Center and local Aging and Disability Resource Center.
You must contact the state or local housing department, community development institutions or local agencies to apply for the home repair financial assistance. Research about the grants and start applying for a safe and secure living.

Tags- free grants for home improvements,for low income,home repair grants, home upgrade, for individuals,roof replacement, for senior citizens, for single moms.
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