Deferred loans, financing, liens, repayment, insurance and property costs.
Last updated: October 19, 2026 If a tax sale or insurance loss is near: Call the office named on your notice today. Ask about the exact deadline and what can stop the next step. A repair application will not stop a tax sale or keep an insurance policy active. If you face fire, gas, live … Read more
Last updated: October 18, 2026 Before you sign: Ask, “What could make me pay this money back?” Get the answer in writing. A flyer that says “no payment” or “fully forgivable” cannot replace the loan papers. Bottom Line A forgivable loan is a debt until the program forgives it. A deferred loan may have no … Read more
Last updated: October 16, 2026 Bottom line: None of these four choices is a grant. HUD Title I is a fixed-rate repair loan made by a private lender. FHA 203(k) puts home repairs into a new mortgage. A home equity line of credit (HELOC) lets you borrow against your home. A personal loan is often … Read more
Last updated: October 15, 2026 Bottom Line A community development financial institution (CDFI) or nonprofit lender may offer a repair loan. It may fit your needs. Some work with cities or banks to lower costs. Others fund one type of repair. One example is a failed septic system. These are loans, not free grants. Rules … Read more
Last updated: October 13, 2026 Bottom Line A HUD Title I loan helps pay for home repairs. It is a loan you must repay, not a grant. A private lender provides the money. The Federal Housing Administration (FHA), part of HUD, insures the lender against some losses. Important 2026 change: A law signed July 11, … Read more
Last updated: October 11, 2026 Bottom line: Property Assessed Clean Energy (PACE) is a way to finance home work. It is not a grant. You pay it back through a charge on your property-tax bill. A “free solar” or “free roof” offer may hide a loan, lease, tax charge, or long contract. Ask for the … Read more
Last updated: July 28, 2026 Bottom line: A reverse mortgage can pay for major home repairs, but it is a loan secured by your home, not a grant. It may make sense for a homeowner age 62 or older who has substantial equity, plans to remain in the home for years, can keep paying taxes … Read more
Last updated: July 28, 2026 Bottom line: A Limited FHA 203(k) loan is usually the better fit for non-structural repairs with total rehabilitation costs of no more than $75,000. A Standard 203(k) is for structural work, additions, major rehabilitation, or projects that cannot meet the Limited rules. Both are mortgage loans, not grants. Start with … Read more
Last updated: July 28, 2026 Handle an Active Hazard First If you smell gas, hear hissing near a gas line, see sparking, or have sewage entering the home, move away from the danger. Call 911 or the utility’s emergency number from a safe place. Do not wait for a protection-plan claim decision before dealing with … Read more
Last updated: July 28, 2026 If a sale or court date is close Call the tax office named on your notice today. Ask for the exact amount and exact action needed to stop the sale. Then contact civil legal aid. A grant search does not pause a tax sale, court case, redemption deadline, or deed … Read more