Mobile Home Improvement Grants Are Easily Available Now
Home repairs and maintenance can be a lot of work and can cost a lot of money for those who are already worried about their extremely low income. Mobile home improvement grant can reduce all your worries related to rehabilitation of your home.
Mobile Home Improvement Grants
Numerous home improvement grants are offered by U.S. Department of Housing and Urban Development. Homeowners use these grants to make necessary improvements in their homes. They are also used for repairs and cover maintenance costs. The grant could also be utilized to maintain the property’s health and safety though the amount of changes you can make usually depends on the home improvement grant you have applied for and they are particularly used for the purpose they were originally requested. If you are 18 years of age or above, a U.S. resident and a legal citizen, then you can apply for one.
USDA Rural Repair and Rehabilitation Loans and Grants
The United States Department of Agriculture (USDA) grants rural repair and rehabilitation grants to low income earners over the age of 62 years. The low income condition sets the limit to an income below 50% of median income in an area. Besides, it gives grants only to those who are eligible of not obtaining credit anywhere else. Up to $7500 is available for grant and homeowners can use it fund repairs such as leaky roofs and make any improvements to eliminate the chances of growing health hazards. USDA Rural Development office in your area can supply more information for home improvement grants. You can also refer to http://www.rurdev.usda.gov/Home.html for details.
HUD Title I Home Improvement Loan
The Title I Home Improvement Loan program by The U.S. Department of Housing and Urban Development (HUD) is also good for repairs and maintenance. According to HUD, private lenders get insured on their home improvement loans. There is an approved lender list on HUD’s website through which homeowners can apply. The maximum loan amount is $25000 and applicants should bear good credit history to guarantee monthly payments for the loan. This loan is useful for home repairs and several alterations. You should check out http://portal.hud.gov/hudportal/HUD?src=/topics/grants.
State and Local Agencies and Nonprofits
States and local government agencies and nonprofit organization also offer grants to their residents. Of course they may vary from city to city and state to state. Many provide home improvement assistance by allocating grants and engage volunteers to help repair a person’s home. People like policemen, firefighters, disabled and veterans are given priority in this program. The cost of repairs is borne by the organization until the individual stays in home for a specified period.
HOME Grant Program
States and localities partner with local nonprofit groups through the U.S. Department of Housing and Urban Development's HOME grant program. HOME funds can be used to rehabilitate housing or to finance a home purchase. Much like the U.S. Department of Agriculture's grant programs, HUD's are targeted at low-income individuals and non-luxury housing. For further details, visit http://portal.hud.gov/hudportal/HUD?src=/topics/home_improvements.
Community Development Block Grants
Community Development Block Grants are also operated by HUD. There are three conditions, among which at least one should be met by those who apply for CDB grants. Their activity should benefit low and moderate income earners, help reduce slums or meet urgently needed community developments when there is no other way to raise funds. Federal CDB grants are given to each state and are a convenient resource for tending to repairs in some particular areas. Visit http://portal.hud.gov/hudportal/HUD?src=/program_offices/comm_planning/communitydevelopment/programs.
Weatherization Assistance Program
Individuals and families falling in low income bracket can also seek assistance from the weatherization assistance program initiated by US department of energy to make their homes more energy efficient through appropriate insulation. Income falling, on average, below 125 percent to 150 percent of the poverty level in the state where the individual resides is eligible for this program. Also, seniors, people with disabilities as well as families with many children or high energy burdens are more likely to get this kind of grant. Visit http://www1.eere.energy.gov/wip/wap.html for more information.
Energy Efficiency and Conservation Block Grants
The US department of energy offers energy efficiency and conservation block grant which is funded by the American Recovery and Reinvestment Act of 2009. These block grants are used by local and state governments, Indian tribes for community projects striving to reduce energy usage and fossil fuel emissions. In many cases qualifying homeowners qualify for energy efficiency projects for example solar panel installation.
USDA 533 Housing Preservation Grants
The US department of agriculture aids Georgia mobile homeowners to rehabilitate their property. Families with incomes between 50 to 80 percent of the area’s median level income can qualify for this grant. It could be used to repair or replace heating systems, electric wirings, improve health and safety standards that improve the housing unit. Mobile homeowners apply for grants through one of the public or non-profit agencies.
USDA 502 Direct Loan Program
Mobile home owners can also apply for low cost loans offered by the U.S. Department of Agriculture. The 502 Direct Single Family Home Program is intended to improve the living conditions of mobile homes for their low income inhabitants. People in rural areas with a population of 20000 or less can opt for this type of loan if the family’s total household income is less than 80% of the area’s median income.
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