If you are planning to move to Hawaii, then you must know that the cost of living is high. The main reason for this is the fact that Hawaii is an island. Everything the state consumes has to be shipped or flown. The housing is also high since Hawaii is considered a desirable place for wealthy people to buy property. Despite the high cost of living, you can still enjoy your time in Hawaii because there are programs to help you maintain and improve the condition of your home. Keep reading to find out.
Hawaii Habitat for Humanity Association, Inc.
Along with its local affiliates, Hawaii Habitat for Humanity partners with Hawaii homeowners to repair and improve the condition of their living. To become a repair or renovation participant of Hawaii Habitat, you must demonstrate the need for housing assistance. Is your house poorly made or unhealthy to live in safely? Are you willing to partner with Hawaii habitat to satisfy your home repair needs? Then you can apply for the program. Habitat members help in building their own homes and those of others in the program. You can get a chance of joining ad learning through personal finance classes and other topics revolving around homeownership. The Habitat targets low-income single mothers, disabled, veterans, and the senior homeowners. Read more at https://hawaiihabitat.org/homeownership/.
Hawaii State Federal Credit Union
The Hawaii State Federal Credit Union provides homeowners with loans for home repair and renovation. If you believe that your home is your biggest investment, then you can seek help from this credit union to make the necessary home improvements you need. You will not make any payments for the first 12 months after receiving the loan. You will also enjoy a 0% interest rate for the 12 months. You will repay the loan at 7.7% interest late once the 12-month period has elapsed. The union’s low rates on loans allow Hawaii homeowners to succeed in their home improvement projects. Visit https://www.hawaiistatefcu.com/roof-renovation-loans/ to learn more about the program.
HOME Investment Partnership Program (HOME)
The HOME program provides funding assistance in form of grants to Hawaii State and its localities to help with home repairs and rehabilitation. These funds are distributed to local non-profit organizations that provide housing services, including grants for home repairs to low-income families in Hawaii. For more details, please visit https://www.hawaiicounty.gov/?splash=https%3a%2f%2fwww.hudexchange.info%2fprograms%2fhome%2fhome-overview%2f&____isexternal=true.
The Native American Housing Assistance Program
The purpose of this program is to provide home repair assistance to Native American homeowners in Hawaii. You can meet all your home repair needs if you qualify for this program support. This means that there is no limit on the type of repairs the program provides to qualified single moms, the disabled, veterans, and the elderly homeowners. Also, you may qualify for emergency home repair services, depending on the issues you are trying to resolve. Achieving the health and safety of homeowners is the ultimate goal of this program. Read more at http://dhhl.hawaii.gov/nahasda/.
Nānākuli Housing Corporation
This corporation provides free home repair services to Hawaii homeowners. The program focuses on helping homeowners who can’t afford the home repair options available to them. It is important to reach out and apply as soon as you get the chance. Funding is limited, and home repair support depends on the availability of funds. Visit http://www.baseyard.com/ for more details.
Malama Home Improvement Loan
The Malama Home Improvement loan is backed up by the Hawaii State. The program provides funding support to low-income homeowners to help them meet their home repair needs. Families with young children may be given preference over other applicants when providing home repair loans. Visit https://loans.oha.org/personal/malama-home-improvement-loan/ for more information.
Hawaii Property Tax Relief
The property tax relief may relieve homeowners of their tax burdens. The program helps homeowners pay a portion of their taxes and reduce the amount low-income homeowners owe the state. if you have any form of disability, like the deaf and the blind, you may receive specialized home repair assistance. Homeowners undergoing difficult situations, like volcanic eruptions are exempted from paying taxes. Reach out to your community action program to get the assistance you need. Property taxes change every year in Hawaii. This allows homeowners to make the most of the rate they pay. The extra money you save from tax benefits in Hawaii will help you south your home repair needs. Learn more about the program at http://www.hawaiipropertytax.com/.
Residential Repair Program
The residential repair program provides home repair assistance to Hawaii County homeowners. The program focuses on helping homeowners with home repair needs that aim to make safety-related updates. The disabled, veterans, senior, and single mom-homeowners can apply for this program. Ensure you come from Hawaii County to qualify for the program support. For more information, please visit http://www.hawaiicounty.gov/office-of-housing/.
Hawaii County Housing Agency
The agency works closely with homeowners in need of home repair assistance to fulfill their housing needs. The agency may not provide you with grants like other programs do. But you can still have access to financial assistance in form of loans to reduce the burden you have. The loans may reduce or eliminate the amount you owe for the home repair costs. Read more at http://www.hawaiicounty.gov/office-of-housing/.