Montana homeowners can have access to the assistance they need to repair their homes. There are programs to help you meet your home improvement needs. Most of these programs target low-income families and you may not qualify for all of them. It is important to work with a housing expert to help you explore the options to chose the ones that fit your needs. This article discusses the home repair assistance programs in Montana.
Homeowner Rehab & Repair Loan Program
The Homeowner Rehab & Repair program provides home repair assistance to low-income property owners in Missoula, Missouri. This program is offered by the Human Resource Council (HRC). Eligible home improvements include plumbing, heating system, electrical wiring, roofing, structural repair, energy conservation measures, septic improvements, siding, and accessibility for disabled families. Through this program, HRC improves the health and safety of occupants and contributes to the habitability and long-term preservation of your home. You must own and occupy the home to qualify for low-interest loans. Sometimes the program forgives loans to the eligible families. The HRC source its funds from the Community Development Block Grant (CDBG). Read more at https://www.humanresourcecouncil.org/homeowner-rehab-repair-loans.
Habitat for Humanity of Gallatin Valley
Habitat for Humanity of Gallatin Valley provides home repair assistance to help families deal with safety and health issues in their homes. To qualify for the Home Repair Program assistance, your repairs must remove the health and safety hazards, install handicap accessibility, and low-cost energy improvements. Only owners of single-family homes qualify for the program assistance. single moms, disabled, veterans, senior, and disabled homeowners an application for assistance. Other eligibility requirements include;
- You must own and occupy the property.
- Must be a resident in Park, Eastern Madison, and Gallatin counties in Montana.
- Mobile homes can be eligible only if are built on pillars, rocks, or permanent foundation.
- Homeowners in need of assistance must demonstrate a willingness to partner with the program; fill out an application, submit the needed paperwork, attend meetings, put some sweat equity as agreed.
- You must be willing to repay the program funds at no cost.
- You must meet the low income in your county of residence.
Find out more at https://www.habitatbozeman.org/programs/home-repair-program.html.
Great Falls Homeownership Loan Program
You can have access to low-interest deferred loans through this program. These loans are only repaid when you sell your home. Both single- and multi-family homes are eligible for the program support. The program funds can be used to improve the health and safety conditions of low-income veterans, single moms, disabled, and senior homeowners’ properties. Learn more at https://www.nwgf.org/homeowners.
Golden Valley Home Rehabilitation Program
You can receive home improvement assistance through the home rehabilitation program. The program received funding from the Community Development Block Grants. Learn more at http://www.hrdc6.org/.
Single-Family Housing Repair Loans & Grants in Montana
Single-Family Housing Repair Loans & Grants in Montana provides loans and grants to homeowners in rural areas. Loans are given at a 1% interest rate, and families have up to 20 years to repay them. You can receive up to a $20,000 loan or a maximum of $7,500 grants. Grants are for senior homeowners to help them deal with health and safety issues in their homes. Families qualifying for loans can use them to modernize, improve, or repair their homes. You must repay the grants if you sell or cease to occupy your home within three years of receiving assistance. To qualify for the program assistance, you must occupy the home and provide proof of ownership, like a title deed. Your income must be below 50% of the area median income, and unable to acquire affordable financing from other sources. To check if your home is eligible for support, see http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfpd. Read more about the program at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/mt.
Havre Housing Rehabilitation Program
You can have access to home improvement support through the Housing Rehabilitation Program if you live in Hill County. The grants are loans that can help you meet your needs and make the necessary upgrades to your home. Eligible repairs through this program include plumbing, flooring, replacement of windows and doors, and electrical work. Find out more at https://www.ci.havre.mt.us/.
The City of Billings’ Housing Rehabilitation Loan Program
This program is for low-income homeowners living in the City of Billings who are unable to obtain loans from commercial lenders to fund their home improvement projects. The program provides loans ranging from $5,000 to $25,000 for eligible disabled, veterans, single moms -, and elderly homeowners. To secure the program loan, you must be willing to put a lien against your home. You are not eligible for this program if your home is with a second mortgage. The program assistance is based on the availability of funds. That is why you should consider applying for the program support as soon as you get the chance. For more details, please visit https://ci.billings.mt.us/473/Home-Repair-Programs.
Great Falls Residential Improvement Loan Program
This program is available for single-family homes in Cascade County. You may source funds from this program to make the necessary updates in your home, including energy-related improvements, and repair/replacement of failed systems. Read more at https://greatfallsmt.net/planning/housing-rehab-programs.