If you find yourself needing to do some necessary home repairs and you simply do not have the money to make the repairs, you may consider applying for a home repair grant from the U.S. Government to get the job done.  While grants are not necessarily easy to get, the great thing about them is that if you are lucky enough to be awarded a grant, you do not have to pay it back.  In order to get a grant, you will have to go through the application process, but if you are eligible, it may well be worth it.

Finding a Home Repair Grant
One of the easiest places to check to see if you are eligible for a home repair grant is the U.S. Department of Health and Human Services, which can be found online at www.grants.gov.  The grants themselves are generally awarded by the Department of Housing and Urban Development, or HUD.  For many of these grants you can apply right on the website.

Government grants are particularly useful for repairs that are necessary following a natural disaster when a house needs substantial repairs just to be habitable.  The Federal Management Agency, or FEMA, oversees these grants, and their applications can be found at www.fema.com.  You may also want to check your local housing agencies for grant programs, which are unique to your area.
You may also want to look into private grants, which are frequently offered by local businesses or individuals to help those in need.  Local service organizations or your Chamber of Commerce should be able to point you in the right direction for these grants.

Application Information
As you prepare to apply for a grant, you will need to supply some basic information regarding the necessary repairs on your home.  For this you will want to get a professional estimate in writing that you can submit with your application. 

Grant Qualifications
Usually, to be eligible to receive a grant for a home repair, you will need to need to meet the grant’s criteria.  Frequently these criteria will be income based or need based.  It may be tailored for the elderly or handicapped, and part of the application process is to prove that you meet the grant criteria.  Keep in mind too, that generally home repair grants are generally intended to restore a home to safe living conditions, not for cosmetic upgrades.

Benefits of Obtaining a Grant
Probably the biggest advantage of getting a grant for home repairs is that it does not need to be repaid.  This fact alone can lift a huge financial burden off of the shoulders of people who are already down on their luck.  Making the home repair will help maintain the value of your home, and it will ensure that your home is safe to live in.

Always be aware that where there is money, there is always a scam close by.  So when someone offers to step you through the grant process for a fee, walk the other way.  If you need help applying for a grant, go to your local HUD office, and they can give you the help that you need for free.

This article was written by Debra Haynes of Metal-Wall-Art.com who specializes in creating uniquely stylish interiors with abstract wall art and tropical wall hangings.

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