Home Improvement Grants
Qualification for home improvement grants is determined by the needs of the applicant, not by credit considerations. If your household income is near the poverty line, or if you've recently been the victim of a natural disaster, you have a good chance of tapping into this source for financial help. Anyone who is 18 or older, and is a U.S. citizen, can apply for a federal grant. The application process for home improvement grants involves a lot of paperwork and forms. In addition, you usually have to write an explanation as to why you need the money. But if you really are in need, this shouldn't be a problem for you.
Most of the programs are offered by the federal government, but several states have programs as well. If you're buying a home or renovating the one you're in, several grant programs will apply. None of the programs involve credit checks, deposits, or co-signers. These are home improvement grants. They are GIVING the money to you - they don't expect to be paid back. On the internet, there are probably 50 ads selling you access to federal grants. Not all are legitimate, or helpful. Three of these sites are recommended. "GOVERNMENT GRANT SOLUTIONS" - This site makes it easy to find the grant or grants which apply to your situation. They will then send you information about how to submit an application. The information is free - you pay $1.98 for shipping. "GRANT-A-DAY" - This source also has a comprehensive data base which enables you to find the appropriate grants for your situation. You then have the option of receiving a CD for $2.99 shipping, or pulling information right off the website for $1.99. They also offer training in writing grant proposals. "GRANTS FOR ALL" - At this site, you have to pay a membership fee of $29.95. Do it! It entitles you to many free bonuses, and there is a money-back guarantee in the event that you don't get a grant. But the real clincher for me is that they have a very helpful support staff. Applying for a grant is not an easy process. The support really helps. Many of the grants come through FEMA (Federal Emergency Management Agency). They provide assistance to people in need of emergency repair (like roof repair, or like eliminating hazardous conditions). You could try their website directly, but you won't find the type of help you get from the service companies listed above.
Funds for the disabled and senior citizens People with disabilities often must incur home improvement costs in order to have access and comfort throughout the house. As an example, a person in a wheelchair might require a ramp in order to get in and out of the house, and they could possibly need internal ramps as well. Or a sink might have to be lowered. Elevators and stair lifts can also be financed through government agencies. Of course, documentation which shows proof of the disability has to be submitted in order to get approval. People over the age of 62 can also apply, if they can prove the need. If grants are not available or appropriate, low-interest government loans might be. Some of them have interest rates as low as 1%, and usually no higher than 5%. You could arrange long repayment periods in order to keep the monthly payments very low. Eligibility for a grant or a loan is determined by the income and financial situation of the applicant. In addition to government agencies, home improvement grants are also available through non-profit organizations. Those most likely to want to help you will normally be found in your local area. If you're planning a large renovation, get your hands on HOW TO CONTROL YOUR REMODELING PROJECT. You can learn more about it by clicking here. If you have any questions about home improvement grants, contact me by clicking here. It's not a field I know a lot about, but I promise to try to get the answers for you.
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