How to Raise Your Credit Score
How to Get Good Credit Raising Your Credit Score
Your credit score has a big influence on your purchasing power: the higher your credit score, the easier it will be for you to get approved for big ticket purchases like a house, a car, large appliances, etc. Some employers even check applicants’ credit scores as part of their hiring evaluation process.
Obviously, your credit score is a big deal. Did you know you have a credit score? All legal adults have one, and they are important in many ways. So let’s start by defining the term “credit score.”
What Does “Credit Score” Mean?
A credit score is the number lenders use to help them decide how likely it is that they will be repaid on time if they give a person a loan or credit card. Your personal credit score is built on your credit history. Your FICO 8 score ranges from 300 to 850. You are considered a higher risk to creditors the lower your score is.
Events that Impact Your Credit Score
Your credit score can be affected by a number of outside influences that are not always fair and not always your fault. For example, identity theft or electronic fraud of some sort can lower your credit score. Other factors that can negatively impact your credit score include getting married, enrolling in college, buying a home, getting divorced, applying for a job, losing a job, and starting a business.
Who is Keeping Score on YOUR Credit Score?
There are three main “scorekeepers”, which are actually called credit bureaus, and they keep track of everyone’s credit score: Equifax, Experian and TransUnion. They keep tabs on your economic transactions so they can provide reports on your credit scoring. They score you using the VantageScore and FICO models, and these models are based on a scoring range of 300-850.
You Have Three Scores That Are Different. Why?
Having three different bureaus keeping score can sometimes confuse people when they discover their scores are not all the same.
The reason why this happens has to do with the number of ways there are to keep score along with other factors like how lenders may only report to one or two bureaus. Sometimes a lender doesn’t report your purchase at all!
Different lenders also use different scoring models, which results in different numbers.
Here’s the Secret Score All Three Bureaus Now Use
To help bring some consistency to the industry, Equifax, Experian and TransUnion put their heads together and created the VantageScore.
Here are the known factors that VantageScore uses to calculate your credit score:
- Level of Debt
- Hard inquiries on credit report
- Your credit limits and how close to those limits you are
- Types of credit you own (credit cards, auto loans, student loans, mortgages, etc..)
- Your payment history
- When you started building your credit
These factors determine your score. Certain things in your past cannot be changed. But there are some things you can control to help raise your credit score.READ MORE
Now Is The Time To Consider Land Development And New Construction Grants
There is no better time than now to pursue your dreams. Interest rates are lower than they have ever been and there are trillions of dollars being thrown into the economy as a stimulus. The government, as well as some private sectors, have now begun to offer incredible new construction grants and land development grants in order to help kick-start the economy where it needs it. This is the perfect reason for people to move in directions in life they have always wanted to.
Taking this opportunity at heart can give you the chance to work for yourself and never have to hear the constant demands from your boss again. And you will never have to fear to lose your job, either. Taking the chance and filling out the application for a federal loan for the new construction grants, the land development grants or the commercial property loans can help you take control of your life and find a path to a new adventure that could end with glory and money.
There are many websites where you can search through these grant and loan options and get help filling them out. Some of the grants can help you build a new home using the land construction grants. You can also use the grants for things such as planning an RV or mobile home park, an apartment complex or an affordable housing community. There are also new construction grants which can help you create green energy farms or parks. The 2009 stimulus package was filled with lots of opportunities for people who are simply looking to fill out an application for a grant.READ MORE
Understanding Free Money and Grants
Government aid can be very helpful to those enduring a financial struggle or hardship. It can also be beneficial for those looking to attain a higher education or deal with soaring medical costs. But many people who are searching for government aid make the mistake of assuming they are entitled to it. The truth is that government aid is provided to individuals only when the government feels there is a good reason to distribute it. No one is guaranteed aid simply for existing.
The government does not hand out "free money" at random to anyone who is dealing with a financial hardship. Instead, there are many programs designed by the government, that are created to serve a specific purpose of aid and relief. These programs cover a wide range of needs that the government sees necessary to provide aid to. Programs include everything from job training, to health care, to infant care, to education and nutrition. Each program is funded by the government and distributes aid for the specific need it covers. This makes it much easier for the government to distribute aid, rather than fielding general requests for financial help from everyone who feels they need it.
To receive aid, you must file an application to the specific program you need help from, and meet several strict eligibility requirements. Keep in mind that most aid programs do not offer cash payments.
Benefits.gov is not designed to provide you directly with the government aid you are seeking, but rather is a tool to help you find government benefits programs that you may be eligible for. These benefit programs oftentimes are absolutely vital to a family's ability to survive financially. With mounting bills and many mouths to feed at home, it may not be the ideal option to accept government aid, but it will certainly help make ends meet, and put food on the table.
To use Benefits.gov, head to the website, and click one of the following two options:
Benefits Finder: This is a questionnaire that will ask you about your current situation, and the reasons you are searching for aid. Answer all of the questions, and the survey will provide you with a list of benefits that you may be eligible for. The questionnaire sifts through all available government aid programs and makes it much easier to find the appropriate program you are looking for.
Browse Benefits: If you already know what benefits you may be eligible for, and don't need to find the right government aid program, you can use the Browse Benefits tool on Benefits.gov to browse by the category of specific assistance. Arrange the list by Federal agency, state, or category to find the right program for you.READ MORE
Grants and Free Money Information
If you are struggling with finances, debt load or the loss of employment, you may qualify for government aid. You may also qualify for help if you have medical expenses or are trying to get a college education. While this aid is available where it is needed, it should be noted that no one is automatically entitled to it. Help is given when the government determines a person or family is eligible for it.
For those with a legitimate need for financial relief, the government offers several programs that cover a variety of situations. These include child care, nutrition, education, and healthcare. All of these needs are eligible for aid. Having specific criteria for funding allows the government to always have money available for assistance, which it would not if it granted all of the requests that it receives.
How to Get Help
If you are in need of aid, the first step you must take is to fill out an application for the program you want help from. After meeting the eligibility requirements, you will then be considered for the program. You should understand that you will most likely not receive your aid in the form of cash.
If you need a resource to find government aid, Benefits.gov can help you connect with the right programs. This can be lifesaving when you have children to feed and clothe. You should not see accepting government aid as being embarrassing but simply a way to keep your bills paid and food in the house while you get back on your feet.
Using Benefits.gov is very easy. Just go to the website and choose from the following options:
• Find benefits. Making this selection will lead you to a questionnaire. You must answer every question on it to receive a benefits list that is based on your responses. This will make it easier for you to find the appropriate help for your set of circumstances.
• Check the list. If you already have an idea which programs you might qualify for, you can skip the search and go directly to the browse tool. This will allow you to see the categories of benefits available. You can sort the list by state and federal agencies as well.READ MORE
Do I Have a Pension I Didn't Know About? Find Out Now
Have you heard of the Pension Benefit Guarantee Corporation? It’s commonly referred to as the PBGC, and it’s a company that helps manage the pensions offered to employees across the country. The company states that as of 2014, tens of thousands of people who are owed pension benefits from their years of hard work have not been claimed their benefits. If you think you have a pension somewhere you’re not receiving payment from, you should learn how to find out and get the money you need. There are approximately 38,000 unclaimed pension benefits right now, and it’s time for you to get your money.
Search for Your Pension
The Pension Search Directory Website launched by the PBGC in 1996 is the place to go. You can enter your last name, your first name, your company name, or the state where the main office of the company is located. If you are due a pension you haven’t claimed, it will be listed right there. This search engine is free of charge and does not come with any hidden costs, difficulties, or time-consuming effort. You log on, your search, and you see if you’re listed in the results.
What Do I Get?
If you do find your name on this list, you could get as little as $1 or as much as $611,000 for your payment. It all depends on the pension you have, where you work, and what’s happening in your career. Most of these pensions have been closed because the people they were owed to were not located by the company when it was time to pay them out.
The average claim waiting for those who haven’t filed one yet is around $4,900. That’s a nice chunk of change, and it’s worth looking into if you feel that you might be owed money for a pension you never claimed. Just visit the site to see if you have a chance at claiming a pension you knew nothing about. It might be there, and it does work.READ MORE
Gas Vouchers as a Form of Transportation Assistance
Emergencies happen. Money is low and you don’t know how you are going to put gas in your vehicle. If this is the case for you, consider The Salvation Army. They may be able to provide you with a gas voucher to help you out of a tough situation. Unfortunately, gas vouchers are not that easy to come by, as the organization only has a limited amount to give to hopeful recipients. You will need to get in contact with your local Salvation Army yourself to ask if they have any and what you need to do to receive one.
The Salvation Army offers more than just gas vouchers. They may be able to provide you with cash if you need help with a car repair. However, this assistance is harder to come by. They can also provide bus vouchers for those who do not own a car. If you live in an area that has active bus lines, bus vouchers may be easier to receive.
The Salvation Army assists individuals, seniors, and families in need, no matter their religious affiliation, background, sex or race. If you are a low-income family or a senior citizen, you will likely receive help first. These situations and people are usually given priority over others. However, that doesn’t mean you shouldn’t try to apply for help with the organization. They often offer additional ways to help when you need it. Some even offer counseling and long-term case management.
Unfortunately, not everyone who applies for a gas voucher will receive one. It’s still OK to apply for one if you need it, but they are limited in number and not every Salvation Army location even has a supply of them to give out. Also, someone who needs one to get to work, school or medical appointments will typically be given priority over others.
When you apply for a gas voucher, you will be set up with a caseworker who will access your situation and determine whether you are qualified or not. Be prepared to provide paperwork that shows you need help, such as current pay stubs or unemployment checks, as well as all of your household expenses.
USDA Rural Development Disaster Assistance
Dealing with any type of disaster can be quite frustrating. The good news is that there are several programs that are available to help you. The Rural Development Disaster Assistance can provide you with help if you live in a rural area. In order for an area to be considered rural, it must have less than 10,000 people in it. The median income in the area must also be equal to or less than the metropolitan area's median income.
There are a number of programs that the Rural Development Disaster Assistance provides to people who need it. Every program has its own unique benefits and requirements.
Emergency Community Water Assistance Grants
These grants are for communities that do not have safe drinking water due to a disaster. Facilities will be able to get up to $150,000 for emergency repairs. These funds can also be used to replace existing facilities. You will need to contact the Utilities Program Specialists in order to qualify for this program. You can also contact the Federal Emergency Management Agency.
Single-Family Grants or Loans
There are financing options available for families who are suffering from financial ruin due to a disaster. You can apply for a Moratorium. This allows you to temporarily suspend mortgage payments. You may be able to defer your payments for up to 180 days. You can also get assistance for paying for your damage.
Reamortization allows you to reschedule your loan payments. You will also be able to determine a new monthly payment. This prevents your account from becoming delinquent. You will need to contact the Centralizing Service Center if you are in need of this service.
Multi-Family Housing Loan Borrowers
People who live in an apartment and are displaced because of a disaster will be able to get assistance moving to another place. They will receive priority when the next units become available. Rural Development expects the tenants' insurance to cover some of the cost of the damages. However, they want to provide temporary assistance in order to take some of the burdens off of residents.
Rural Development has a number of resources to help businesses that have been affected by a disaster. These programs are geared toward small businesses.READ MORE
Five Steps to Obtain Money for Your Start-Up
You’ve been considering a big idea for a non-profit in your area. Now, how do you get the funding that you need to make it work? You need to stop and think long and hard about what you will have to do. First, be realistic with your goals. Is there another company doing the same type of work in your area that would potentially be a rival when it comes to asking for help? You may want to avoid this type of service if the answer is yes. While it is certainly a wonderful idea to have multiple organizations dedicated to helping others, you may find that the first group gets more funding because they are better known in your community.
However, if you do have a great idea that you believe will be supported by others, you will want to first create a case statement. This is how you will tell people what you plan to do and what exactly your mission is. This should convince them why they should support your cause. Then, read on for five ways you can get seed money for your start-up non-profit organization.
Search for community members who are already well-connected in your area and get together with them. This could be well-known community leaders in your town or county or popular business owners. These people may be passionate about your cause more than others since it can potentially benefit their own community. Talk with them and present your case statement. Ask if they would like to be board members. Once you get them together you can ask them to help you raise funds that are necessary to start your project. This can include community fundraising events and donations from individuals.
Ask for Individual Donations
Get in contact with people you believe could help you out. This could include your own family members, friends, bosses or co-workers. New ventures usually start with the help of individual donations, volunteers, board members, community members and the founder of the nonprofit organization. Larger, national foundations typically avoid funding smaller startups. Instead, they may only provide help to those that have proven track records and who have IRS 501(c)(3) tax-exempt status. Start networking with people who may have connections to those who have the ability and resources to support your cause. You can then present your case statement to ask for donations as well as launch a large community fundraiser to entice other supporters.READ MORE
Grant Information for Homes and Housing
Since grant money that is available for free might sound too good to be true, you may be curious if there is a drawback. Fortunately, although there are certain conditions involved and eligibility requirements, there are no drawbacks.
The Federal Department Of Housing And Urban Development offers most of these housing grants in hopes of contributing to the safety of society. These grants are then distributed to eligible applicants by local, community, and state groups.
Is This Truly Free Money?
The government does not hand out money for free. Most of the programs involve offering loans to qualified applicants. Since these loans are usually lower in interest and involve fewer fees, they can help applicants save a significant amount of money over time. This lower cost helps low-income applicants afford to house more easily and also leaves them with more money in their budget to cover other expenses.
Although the government is not simply handing over free money, they are helping eligible applicants end up with more money in their pockets due to lower fees and interest rates.
There are various grants available. One of the most common forms involves offering grants to low-income families that are unable to qualify for bank loans and are in need of crucial home repairs. Grants may also be targeted to specific age groups, such as adults over the age of 62, or particular demographics and neighborhoods.
What Specific Types of Grants Are Available?
In certain cases, the Department of Housing and Development will cover mortgage insurance for low-income individuals who could not afford it otherwise. This allows qualified individuals to obtain a mortgage they may not have been able to afford without help.READ MORE
Get Assistance Paying Your Rent
If you are one of the millions of Americans affected by economic instability, paying your monthly bills can be a struggle. For most people, the rent payment is not only the most important of these obligations but also the largest. Missing rent payments because of unemployment or underemployment can mean late fees, required court appearances, damaged credit, and even eviction. Fortunately, hope exists for those in this dire situation. Many non-profit organizations, charities, and government programs provide individuals and families in need with funds to meet their monthly rent. If this describes your situation, try these tips to stabilize your housing situation.
Connect with Your Landlord
If you are behind on your rent payments, have an honest conversation with your landlord sooner rather than later. While coming clean about financial troubles can be uncomfortable, it also provides you with a platform to ask for help. Explain the situation that is causing you to fall short on rent, whether you're out of work, facing medical issues, or in mounting debt. In some cases, the landlord might be willing to work with you to come up with a solution that helps you get current on your missed payments. Finding a good renter can be a challenge, so if you're generally reliable it will likely work in your favor.
Research Local Assistance Programs
Community-based organizations can provide help for those on the brink of homelessness, and in many cases, people aren't aware of the programs that exist for those in their situation until it's too late. Churches, charities, and local non-profits sometimes offer short-term grants to cover rent for those in dire need. Each program has its own application process through which families are able to apply for assistance. In some cases, you'll have to prove that you'll be able to pay your rent again after a set period of time. If you're unable to find any programs of this kind in your area, start with the local chapter of the Red Cross or United Way.READ MORE
Get Government Assistance For Utilities
LIHEAP is short for Low Income Energy Assistance Program. It is a federal program that is designed to help people who are having trouble paying their energy bill. There are two ways that the LIHEAP Program can help people. The program can help people pay their energy bill. It can also help people make their homes more energy efficient.
The LIHEAP program can help your apartment or homestay warm during the winter and cool during the summer. This program is available in most states. People can typically request to get assistance from this program if they are having financial programs.
The benefits can vary from state to state. People who have met the following criteria can get assistance from the LIHEAP:
- Help with your cooling and heating costs
- Winterizing your apartment or home, which will make it more energy-efficient
- Assistance if there is a utility crisis
How Much of my Bill Will get Paid?
There are several factors that are taken into consideration when you apply to get assistance from the LIHEAP program. Your income, the place you live and family size will be taken into consideration before you are given any assistance. There are also additional factors that may be taken into consideration before you are given any assistance.
Will I be Able to cut my Energy Bill?
LIHEAP may use the money to make home repairs, which will help keep the cost of electricity down. This is a process known as weatherization. However, they are not required to do this. If they choose to make the repairs, then they may do the following:
- Make necessary installations
- Fix drafty doors or windows
- Replace damaged or broken windows
In some cases, people who qualify for LIHEAP will not be able to get weatherization unless the landlord pays part of the costs.
I Receive SNAP or TANF-Will I be Able to Qualify for the Low Income Energy Assistance Program?
People who receive TANF or SNAP may automatically qualify for the LIHEAP. People who receive Veteran's Benefits or Supplemental Social Security Benefits may also be able to get assistance through LIHEAP. However, you will have to fill out an application before you get any assistance.READ MORE
Great Scholarships and Grants for Single Fathers
Pursuing a college degree can be difficult for anyone, but when you are a single father, it can be tough to balance working full time to support your child and going to school. The financial strain of continuing your education can prevent you from bettering yourself, but fortunately, there are grants and scholarships that single fathers can take advantage of. Here are a few of the opportunities that you should look into:
• BYU Marriott School Single Parent Scholarships
This scholarship is designed to offer assistance to a single parent who is trying to get their college degree. To be offered this assistance from the Brigham Young University’s Marriott School of Business, you must be a single father who has full custody of a child under the age of 18. The amount that you can receive will vary based on your financial needs at the time that you apply for the scholarship.
• Emporia State University Single Parents with Children Scholarship
This is a scholarship that is offered to individuals who are raising a child alone. You must be enrolled as a full-time student in order to receive this scholarship. You can be a single, divorced or widowed father to apply, and as long as you have full custody of your child you can apply for an additional award worth $2,000.
• Single Parent Scholarships with the Assistance League
This is a non-profit organization that is dedicated to helping single fathers pursue a college degree while raising a child. This scholarship offers a$3,000 or more to single parents who need assistance. Additionally, this is a scholarship that is also available to single mothers. There are chapters located across the country, so no matter where you live, they are nearby to help.
• Federal Pell Grants
The Federal Pell Grants are a great opportunity for single fathers looking to get a college degree. You must be enrolled at least as a half-time student on the path to getting an associate’s degree or a bachelor’s degree. The amount that you receive will vary based on your financial needs, but you can receive as much as $5,550 a year to help cover the cost of your schooling.
• Steven K Wright ScholarshipREAD MORE
Homes Repossessed from FHAS Foreclosure to be Purchased through HUD Grants
Consumers and agencies in communities that are beleaguered can now access grants to purchase homes that belong to the Department of Housing and Urban Development in the US. The homes being sold by HUD are those that were foreclosed and repossessed from insured housing loans by the FHA (Federal Housing Administration).
The homes by HUD that meet the eligibility programs of insured loans by FHA are those needing below $5000 for repairs, but the ones that require over $5000 in repairs must get financing elsewhere other than from the Federal Housing Administration. Most of the homes are disposed of in auctions, and you'd do better to engage a counselor from FHA to assist you to navigate the eligibility criteria for the grant program.
Program of Grant Implementation for Choice Neighborhood
Some homes in places that require revamping are identified by the program of grant implementation for a choice neighborhood. For a half of their market value, the homes that have been identified by the program can be purchased by consumers through coordinated programs in the respective cities. Such homes qualify for the HUD enterprise known as GNND or Good Neighbor Next Door. Apart from the privilege of accessing more subordinate loans to offset the advance payments, technicians from emergency response services, firefighters, and teachers meet the eligibility criteria for purchasing the homes.
Stabilization Program for Neighborhoods
A steadying program for the neighborhood will oversee the stabilization of the communities and the neighborhoods destabilized by the abandonment and the foreclosures. NSP grants will be made available to the community, state and the national organization s which will then disburse the funds to individuals from moderate to low-income categories who qualify to purchase the homes, and shall have applied for help through the partnerships in the communities.
Those who will benefit from the grants will be required to meet the income limits which should not be more than 120% of the average income in the places where the homes are situated.
The Corporation of America for Neighborhood Assistance
Tips to Get a Free Government Cell Phone Today
There are dozens of cell phone companies that are available to provide you with a free government phone. It’s simple to get a free phone when you know the steps that get you there!
Lifeline Assistance Program
Lifeline Assistance is a well-known program that provides free government cell phones to those who need them. This program is thought to be one of the most successful government programs out there. It is not at all surprising the number of men and women who are signing up for their free phones every single day. At the moment, 12-15 million Americans currently have their own free cell phone from the government. Most of these people need a phone to keep in contact with family and friends, to find work in their area, and to use for so many other things that we need reliable communication for.
Each state in the country offers dozens of national and regional cell phone companies that the government approves of who will provide you with free phones and cell phone service. This is because of the Lifeline Assistance program. At the moment, 49 states, along with Washington D.C. and Puerto Rico, are in the program. Pretty much every state has several cell phone companies that customers can choose from when they are approved for a free phone.
Three Easy Steps to Getting Your Own Free Government Phone
To begin, you’ll need to find out whether or not you meet the requirements of the program before you can get your free phone. Click here and then return to this page when you do.
Step OneREAD MORE
Millions of Homeowners May Qualify for Benefits Through These Programs
American homeowners run into countless struggles during the course of homeownership. For instance, rising interest rates can make a mortgage payments balloon out of control. Even the simple things like home repairs prove to challenge from time to time. A damaged roof, leaking pipes, and other issues present themselves over the years. Not everyone can afford to make these repairs and improvements, which can feel quite stressing for some.
Unfortunately, skipping out on home repairs leads to terrible consequences. A damaged roof could eventually turn into a collapsed roof; a leaking pipe eventually turns into a burst pipe. Likewise, you'll face late fees and other penalties by falling behind on your mortgage. Help is available to many homeowners, though, and this might include you!
Don't forget to check out these programs designed for homeowners in need!
If you're a struggling homeowner, then the United States government might have you covered. The government hosts various programs designed to assist people in a number of common situations. In reality, home repairs benefit the economy as well as the residents, and the government understands this fact well enough to provide assistance. Every home should be both livable and safe at the bare minimum these days.
So, how do these repairs help nearly everyone involved? The contractor you hire to do the work will have work to complete, and your home will be improved in various ways. Such work may increase the value of your home and the homes around it. With rising property prices, an entire economy can be uplifted. It helps that you'll feel happier and potentially become healthier without having to deal with these stresses.
Refinancing a Home for Many Benefits
When you own your own home, refinancing becomes a potential solution to your problems. A refinancing lowers your interest rate and may provide you with extra cash on hand. Your home is used as collateral to help secure the loan. While over half a million people can refinance, only a fraction of qualified homeowners use this option. The funds can be utilized to fix your home and solve a variety of other financial issues.
Programs Administered by the Government to Help Homeowners
Fortunately, the federal government understands the plight of homeowners. Government agencies provide assistance to homeowners because it helps everyone. If every home in the country deteriorated, then the economy would take a nosedive. Whether these programs are administered at a gain or loss, the benefits outweigh the costs and consequences.READ MORE
Grants You May Qualify for if You Are Disabled
Living with a disability can be extremely difficult. Many people are unable to find gainful employment because they have a disability. The good news is that the federal government has grants for people who have a disability. In fact, the government gives out billions of dollars in grants per year. You may be able to get one.
Debt Relief Grants
Many people who are disabled have debts that they cannot get. Grants do not have to be paid back, so it is a great option for people who have disabilities. Debt relief grants do not exist. However, there are other grants that you can get. Even if it was possible to get a debt relief grant, the vast majority of people who are in debt would try to get one.
How to Get a Disability Grant
The term disability grant refers to one or two things. It is used to describe grants or benefits. You are entitled to benefits if you meet certain criteria. You will have to apply for benefits. You will get a grant by making a proposal.
You will not be able to pay your personal debts with a grant. However, there are several other things that you can use grants for. Repairs, education, trips, and counseling are examples of some of the things that you can use for your grant. Getting a grant will allow you to use less of your income. The extra income that you have can be used to pay debts.
If you do not claim grants and benefits from the government, then someone else will likely use the money. That is why it is important to act quickly if you want to take advantage of government programs.
Government Grants For Renovating Your Home
The government understands the importance of living in a safe place. That is why there are programs available to assist people with renovating their home. There are both federal and local government grants that are available.
HUD 203K Loans
The United States of Housing and Urban Development has a program for people who are paying a mortgage on a property that is being renovated. You can get a loan through the HUD 203K loans. These loans have been approved by the Federal Housing Administration. You will need to get this loan from a financial institution. There are several types of things that you can use this loan for.
You can use the loans to improve the structure. You can also add rooms or paint your home. Additionally, if you have to move your property to another dwelling, then you can use the loan for this purpose.
Weatherization Assistance Program
Every state has a Weatherization Assistance Program. This program gives grants to low-income individuals and families. You can use this grant to make energy-efficient repairs and upgrades. This includes things such as attic insulation, caulking and heating and cooling system repairs. In order to qualify for this program, you will need to meet the income requirements that are set by the Low-Income Energy Assistance Program.
Rural Repair and Rehabilitation
People who cannot afford a home repair can also get help from the United States Department of Agriculture. This program offers both grants and loans. You can use a loan and grant for things like plumbing, electrical and roof repairs. However, local municipalities may put restrictions on the things that you can use the loan or grant for.
You will need to apply for this program. People can get a loan for up to $20,000. They can also get a grant up to $7,500. However, the only people who are eligible for grants are those who are over the age of 62. The only requirements for getting a loan are being a United States citizen or permanent resident and have a very low income. Your income is considered very low if it is less than 50 percent of what the median income in your area is. You must also live in a rural area in order to qualify for this loan.
List of Housing Grants For The Unemployed
Losing a job can be frustrating. One of the things that you may be worried about is how you are going to keep a roof over your head. Fortunately, the United States Department of Housing and Urban Development Department has housing grants for people who have lost their jobs. In order to qualify for one of these programs, you will need to submit documentation that details your financial situation. Both single individuals and families can qualify for one of these grants.
Homelessness Prevention and Rapid Re-housing Program
The Homelessness Prevention and Rapid Re-housing Program is one of the programs that are available for people who are either homeless or at risk of becoming homeless. Unemployed people do not have to meet any income requirements. You can receive assistance for utilities and housing for up to 18 months. If you have lost your home due to foreclosure or eviction, then you can also get assistance with moving costs.
In order to get this grant, you must have a lease in place. You must also have a documentation that proves you have experienced a financial crisis.
Section 8 Housing Voucher Program
The Section 8 Housing Voucher Program is designed to help low-income families pay a portion of their rent. There are no income requirements that have to be met before one can get assistance with this program. However, if you are unemployed, then you will have to pay at least $25 per month in rent. The remaining portion of your rent will be paid by the Housing and Urban Development Department.
You are free to live in any type of housing that you want. However, it is important to remember that not every landlord accepts a Section 8 voucher. You will have to undergo a background check before you can get accepted by this program. You must also be a citizen or a permanent resident of the United States in order to qualify for this program.
How to Get Financial Assistance
When you are faced with financial hardship, turning to help from the government can be the right choice. It isn’t always easy for people to accept help, but many government programs are designed with specific people in mind, and you may find that you are 100% qualified to take advantage of their program. There is nothing wrong with this, as long as you realize you aren’t entitled to help just because you are alive!
The government doesn’t give out “free money” as much as people think they do. There are often many papers and forms to fill out first, as well as a bunch of prerequisites to meet before you actually receive the assistance. However, when you need the help, take it- that is what it is there for. There are dozens of programs that can help individuals and families with issues such as food, childcare costs, transportation, housing, job placement and more.
To get the help you need, simply fill out the application for the specific program that offers the support you need the most. Remember, cash payments are almost never given.
Benefits.gov Can Help
Benefits.gov is a very useful tool that will help you find the programs you need when you are in need of assistance. You cannot actually use the website to apply; however, simply find the programs you want to seek help from on the webpage and then go to the page from there. You can use the two following search options to make it easier:
Benefits Finder: This search option allows you to browse through all of the available options for help. You can use this feature to find programs that fit your needs and then apply from there.
Browse Benefits: If you already have an idea of the program you want, use this search feature to find it quickly and easily. You can search by alphabetical order, state, or federal.
Can I Get a Grant?
Benefits.gov does not give users the option for government grants. Since a grant is cash that doesn’t have to be paid back, most users are not entitled to get them. However, if you think you are in a situation that does call for a grant, visit www.grants.gov for more information.
What Does Benefits.gov Offer?
Benefits.gov uses a comprehensive program that cross-references your answers to available programs all over the state you live in. At the moment, more than 1,000 federally-funded programs are available to low or no-income individuals and families. They can help you sort through the programs to find ones that are right for you.
Apply For Government Assistance and Free Grants
If you are struggling to make pay your bills and can’t seem to make ends meet, government aid can be a great choice to make. Government aid can help out in a variety of situations, such as those who are dealing with high medical costs, shut-off notices for utilities, or even those seeking money for college. Many people believe that the government automatically owes them money and that they are entitled to a hand-out. However, the government will want proof that you need the aid- no one receives assistance just because they do not want to work.
Just because you are struggling financially does not mean that the government will give you the money you are asking for without question. Instead, you can apply through different programs that are government-run to see what you may be eligible for and if you meet the requirements for assistance. These programs are designed to meet the specific needs of a person in order to easily distribute funds to those who need it. Programs may include food assistance, health care, child care, education needs and more. By providing precise programs to the public the government can make sure that families receive the help they specifically need.
Receiving aid is easier when you have all the forms and requirements ready to go. To get started, one must fill out the application to whichever program or programs they wish to apply for. You’ll need to meet the sometimes strict guidelines that the programs often require. Remember, almost all government assistance programs do not provide cash to individuals or families.
One simple way to find all government programs in one spot is to use Benefits.gov. This website allows you to find hundreds of available government programs that you and your family may be eligible for. Some of these programs, such as SNAP, the Supplemental Nutrition Assistance Program, offer vital assistance to those who are in financial straits. Many families are dealing with overwhelming bills while trying to keep their family fed, and programs such as these are absolutely necessary for their survival. It might not have been your plan to ask for government aid, but it will absolutely help you to make ends meet, as well as put food on the table.
When you get to Benefits.gov, click the following two options to get started: Benefits Finder or Browse Benefits.
Benefits Finder provides users with a questionnaire that is designed to search for the programs you and your family may be eligible for. After you answer all of the questions the software will cross reference over 1,000 programs to find programs that match up with your situation. This makes it easier for you to find what you need quickly, instead of manually sifting through dozens of programs to see if you are eligible for assistance.