Improving and repairing your home can be expensive, but it will raise the value of your house and make it more livable. If you can't afford to fix up your place, you may qualify for government assistance. In most cases, you can receive a loan to help with funding. However, some individuals qualify for grant money, which doesn't have to be paid back. Here's find U.S. grant money to restore your house.
Grant money can help offset the expenses of improving your home.
Who Qualifies?
Most government grants are reserved for those who truly need assistance. Very low-income individuals and families usually qualify, as well as people in rural areas, senior citizens and those involved in community development. To qualify, you usually need to be a homeowner; these grants are specifically designed for home improvement, not building or rebuilding.
Apply
Visit the U.S. Department of Housing and Urban Development's website (see References) to find a housing counselor in your area. A counselor can give you personal advice at very low cost. In some cases, advice and guidance are free of charge. Register at HUD's website (also see References) to apply for the specific grant that serves your needs.
Restrictions
In many cases, a lien will be placed on your house until you complete the work. When it is completed, you must file a Certificate of Completion, at which point the lien is removed. Grant money must be used for home improvements and nothing else. You may be asked to show proof of your spending.
State and Local Grants
If you don't qualify for federal grants or are having trouble with the process, you can contact your state or local government to ask about financial assistance. Resources and requirements vary greatly from area to area, but a local official or housing office can help you to find money for your home improvement.
If you have an urgent problem requiring minor repairs (such as a leaking roof or broken heating system) and have a low income, your municipal government may be able to help you more quickly and efficiently than either the federal or state government.
FEMA Grants for Disaster Relief
Victims of natural disasters qualify for grants through the the Federal Emergency Management Agency (FEMA). These grants usually cover rebuilding costs if your home has been destroyed or severely damaged; however, you must be able to prove your home ownership and eligibility. If you are a victim of natural disaster, visit FEMA's site (see Resources) to find out whether you're eligible for assistance and, if so, to apply for funding.
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