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Article Date: 08/05/12
Low Income Homeowner Loans, Grants And Assistance: Government Programs
If you are among those homeowners who are facing financial crisis, in the form of

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job loss, divorce, decreased wages, recession period, increase in expenses, inflation or deflation or any other hardships. Then you can avail the government assistance in the form of grants and loans. For low income homeowners there are numerous government offers of grants and loans, some of the federal government programs of United States are as follows: an initial program is called emergency homeowner loan program which is granted to eligible individuals who are currently paying taxes, interest amounts and mortgages. This program grants up to $50,000 on 0%interest rate. It allows you to pay between of $25 to $31 in the form of monthly interest. This loan payment can be completed within two years. This program helps people to get rid of unemployment, health and medical difficulties.

Some of the eligibility factors on which you need to be fully met are: first of all the property should be on your name, it should be a single family residence, the income of the owner before crisis must not be more than 120% of the price of the house. There is a decrease in the income up to 15%, you need to earn on your own, you must be a resident of the eligible states of America and there should be clear signs of your solvency within two years. Some of the qualifying states, where residing can provides you eligibility to government grants and loans. Some of them are: Alaska, Montana, Missouri, New York, New Mexico, Texas, Virginia, Washington and Wyoming.

There are some programs for low income people to build their own home who can not afford to make their homes on their own. Thus this program is facilitating many homeless people to make their homes with eth amount of loans. Home affordable refinance program allows the individuals to change the terms of their mortgages; unemployed individuals can apply for the jobs, and this program works for ten states.

The qualifying factors of programs vary from one another, home affordable unemployment program requires you to must have 1 to 4 unit’s residence, and the income of the homeowner must be enough to afford the mortgage payments. Another program called hope for homeowners (H4H). This program was launched in late 2008 and would lasts up to 2011.

Here is the note for precautions while adopting home for homeowners. Instead of giving your information to unidentified authority you must try to approach the federal housing authority. Moreover you can find online help through relevant websites that would provides you adequate assistance. Another healthy program is home repairs and maintenance program which grants you few dollars for making your home new again in the form of renovation. This facility is also available in rural areas for low income home owners.

Some forms of grants are mortgage insurance policy, help for Native Americans, technical and supervisory programs for grants, utilities loans for rural homeowners and grant to underwater homeowners to provide support to their families.

For more articles please visit our Government Grants Articles section.

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