Last updated: July 28, 2026 Bottom Line A HUD Title I Property Improvement Loan is a repayable loan, not a grant. A private lender makes the loan, and the Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development (HUD), insures the lender against some losses. The current federal limit for … Read more
Last updated: July 28, 2026 Bottom line: None of these four choices is a grant. HUD Title I is a fixed-rate property improvement loan made by a private lender and insured by FHA. FHA 203(k) is a mortgage that combines a home purchase or refinance with approved repair costs. A home equity line of credit, … Read more
Last updated: July 28, 2026 Bottom Line A HUD-approved housing counselor can give independent help with mortgage trouble, foreclosure, home repair financing, reverse mortgages, budgeting, rental problems, disaster recovery, and local housing referrals. A counselor usually does not award a home repair grant or hire a contractor for you. Foreclosure, eviction, and homeless counseling are … Read more
Last updated: July 27, 2026 If someone is in danger, act before applying Leave the area and call 911 if there is fire, smoke, a gas smell, exposed live wiring, floodwater near electricity, a carbon monoxide alarm, a collapsing ceiling or floor, or someone who cannot safely get out. Call the gas or electric utility … Read more
Last updated: July 28, 2026 Is the home dangerous right now? Habitat repair programs are usually not emergency services. Leave the unsafe area and call 911, the gas or electric utility, the fire department, or local emergency management if there is a gas smell, sparking electrical equipment, active fire risk, sewage in the home, a … Read more
Last updated: July 28, 2026 Bottom line: A VA cash-out refinance is a new mortgage, not a grant or free repair program. It replaces your current mortgage with a new VA-backed loan and may let you take part of your home equity as cash for a roof, heating system, bathroom, accessibility work, or other repairs. … Read more
Last updated: July 28, 2026 Immediate danger: Leave the home and call 911 if you smell gas, see sparks or active fire, have rapidly rising water, suspect carbon monoxide, or think the floor, roof, porch, or home may collapse. Do not enter a damaged home until the fire department, utility, building official, or another qualified … Read more
Last updated: July 27, 2026 Leave first if the home is dangerous Call 911 or the utility emergency line before calling 211 if there is a fire, gas smell, carbon monoxide alarm, sparking wire, flooding near electricity, serious medical danger, violence, or possible collapse. Do not stay inside an unsafe home while you wait for … Read more
Last updated: July 27, 2026 If the home is dangerous right now CAPABLE is not an emergency repair service. If there is a gas smell, fire, sparking wiring, raw sewage, a collapsing floor or ceiling, or no safe way to leave the home, call 911, the utility emergency line, or the local building safety office … Read more
Last updated: July 27, 2026 Emergency warning: If you smell gas, hear hissing, see a damaged electric or gas line, or suspect a hazardous line was struck, stop work and move everyone away. Do not touch equipment, start a vehicle, use a phone near the damage, flip a switch, or try to cover the line. … Read more