Free Home Repair Grants For First Time Home Buyers-Apply Online
There are individuals, all across the US, who are struggling to get better lives with their families. It is a distant dream for them to buy their own homes. But now you can hold on to your dream as there is help out there for you, which can make your dream come true. This help comes in the form of grants that are being offered by the US Government which one can get from various nonprofit organization, private and public concerns, charitable trusts, churches, different local and state authorities and multiple community action agencies.
US Department of Housing and Urban Development (HUD) is one such body which is constantly taking care of the citizens in finding a secure and a safe shelter. The body understands that the expenses to housing are escalating by leaps and bounds; hence, the low-income families and individuals are finding it difficult to bear this cost and often facing challenges like homelessness and foreclosure. Through various programs HUD is arranging for the first time buyers to buy second-hand houses and offering home repair grants for the first time home buyers. The American Recovery and Reinvestment Act of 2009 have invested over $13 billion for housing-related programs and a major of it has been delegated to the state and local governments. This is again a crucial factor that has to be turned into awareness to the common mass that the HUD does not have any specific grant or the US Government or the President does not give out the money to any individuals. The money is only shared to different state bodies, accredited entities, and groups. People need to know where to reach out if they are looking for grants.
The HOME Investment and Partnership Program: this is one of the block grants that the Federal Government provides to each state. Many states use these funds with the people from low-income groups in order to support them in paying their rental dues, to buy a new house and also sometimes as home repair grants for the first time buyers. The terms and conditions to obtain these loans are specific to the states. Some of the assistance come through loans but the other grants are pardoned after a specific amount of time spent in the home. The Internet, in the present time, is a major source of information regarding the programs that are prevalent in your state or with your banks.
State Housing Finance Agencies: these organizations are the primary point of contact and it is not very difficult to find them. Every state has a Housing Finance Agency (HFA) which is easily spotted through the internet. This is, indeed, an excellent place to begin with as the local counseling offices can guide you with the best possible advice pertaining to the selection of the programs that are available and one may qualify for.
City Specific Programs: not only the state you are a part of, the city which you live in also has multiple bodies which are offering different programs pertaining to your housing needs. For example, San Francisco has a program called The Mayor’s Office of Housing and Community Development (MOHCD) offers home repair grants for the first time buyers along with mortgage loan rates down payments. These grants are often offered through various agencies, through different plans and sometimes directly.
Private Nonprofit Organization: there are charitable organizations which are working in close association with the local and the state government. These bodies are constantly helping low-income groups afford housing and especially to buy their first dream home.
Besides, there are many homebuyers’ assistance programs which are available for the struggling individuals and families. Some of the important ones are as follows:
• FHA Loans
• Down Payment Assistance Programs
• Mortgage Credit Certificate Tax Credit Program
• Home Buying Assistance from Nonprofit Organizations
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