Repairing, modifying, or improving your home in any way can be an expensive endeavor. Unfortunately, letting damage persist can cause even greater damage that comes at a more significant cost to repair. But what are you supposed to do when the funds aren’t available?
Fortunately, there are financial assistance programs available that provide funds for home repairs. These programs help families complete the improvements needed even when there are no personal funds to make them happen.
Rebuilding Together – A Non-Profit Home Repair Program
Rebuilding Together is a non-profit organization with a vision that focuses on helping families create safe homes and communities. Their mission is “Repair. Revitalize. Rebuild.” Rebuilding Together provides the following types of assistance to qualifying individuals:
- Critical Home Repairs – Major repairs for individuals unable to afford or maintain the safe condition of the home.
- Plumbing and Heating – Provides the repair or replacement of the home’s heating system, hot water heater, leaky pipes, broken toilets, and other plumbing components.
- Accessibility Modifications – Low-income, disabled, or elderly individuals might need accessibility upgrades. These upgrades can include lifts, wheelchair ramps, handrails, stair glides, or other tools to make the home easier to live in.
Rebuilding Together is strictly ran by volunteers and they work on 10,000 projects annually. If you need to repair your home and don’t have the finances to make this happen, you might qualify for assistance. To see if you qualify, it’s necessary to find a local affiliate to determine if you are eligible for any of the programs offered. If you are eligible, you can apply online.
Federal Government Home Repair Programs
The federal government also offers programs that can help lower-income individuals make necessary home repairs and improvements. The U.S. Department of Housing and Urban Development (HUD) offers home improvement loans that cater to specific demographics that include people with disabilities, veterans, women, minorities, single-parent homes, senior citizens, and low-income people. The HUD Title 1 Property Improvement Loan is one of the loan options available.
It’s also possible to acquire home improvement grants from HUD, which means the money doesn’t have to be paid back. You can contact your state Department of Housing and Urban Development office to determine which programs are available in your community.
If your home has been damaged in a disaster, the Federal Emergency Management Agency (FEMA) offers Disaster Home Assistance Financial Grants that can cover some of the damages. These grants aren’t designed to cover all the damage that occurs in a disaster. The assistance is limited to structural damage, septic systems, and utility systems. Nonetheless, this assistance can greatly aid in the rebuilding process.
Research on Home Repair Programs Is Your Friend
Doing research on the different home repair programs is what is going to help you find the program or programs that will help you. In addition to the programs discussed in this article, check out these government home repair grants to see if you qualify.