The cost of making home improvements is a major concern once you become a homeowner. Maintaining a healthy and safe housing condition is vital for the well-being of your loved ones. There are home repair programs in North Carolina to help you fix your home. This article discusses the home repair grants in North Carolina. Keep reading.
North Carolina Housing Finance Agency (NCHFA)
NCHFA provides home repairs to qualified homeowners in North Carolina. The goal is to ensure that your home is upgraded and safe for your loved ones. The Agency’s Urgent Repair Program offers home improvement loans to senior and disabled homeowners with less than 50% area median income. The loan program provides funds at lower rates and qualifying families to have many paycheck options to choose from. More information about the program can be found here. The agency has the Essential Single-family Rehabilitation (ESFR) Program to provide funding to homeowners’ major home repair needs. Single moms, disabled, veterans, and senior homeowners can apply for the program support. Your income must not exceed 80% of the median income. Visit https://www.nchfa.com/current-homeowners/repair-your-home/single-family-rehabilitation-program to apply. The agency works with local organizations, which determined eligibility and process the applications. Once approved, the partnering organizations contract and supervise the home repair work. https://www.nchfa.com/current-homeowners/repairing-your-home offers more information about the agency.
The Habitat for Humanity
Habitat for Humanity helps in building homes in North Carolina. Habitat runs a Critical Home Repair Program to support low-income homeowners willing to put some sweat equity into their homes. The organization hires professional contractors to do the repair work. Find out more at https://www.habitatcharlotte.org/services/critical-home-repair/.
North Carolina Weatherization
You might qualify for the program assistance if you need home repairs that aim to improve energy efficiency at your home. The program offers upgrades to your insulation, replacement/repair of heating/cooling equipment, and flooring. The North Carolina Weatherization assistance program also provides support with storm preparation upgrades. Learn more about the program at https://deq.nc.gov/about/divisions/energy-mineral-land-resources/weatherization-assistance-program.
Rebuild North Carolina
Facing destructions from a natural disaster? Well, Rebuild North Carolina can help you fix your living space and make it safer for your family. The organization works along with others like RED cross and insurance programs to rebuild your home. Rebuild North Carolina provides monetary help to support families facing damages at their homes as a result of a hurricane or other natural disasters. If the organization can’t provide direct help, they will refer you to their resources to meet your home repair needs. Visit https://www.rebuild.nc.gov/ to learn more about Rebuild North Carolina.
Housing and Home Improvement Assistance
The purpose of this program is to assist low-income families in North Carolina. The program provides educational services about housing resources, including those that you can use to make the necessary improvements to your home. Through their services, the program enables low-income single mothers, veterans, disabled, and elderly homeowners to achieve a higher standard of living. Find out more at https://www.ncdhhs.gov/assistance/low-income-services/housing-home-improvement-assistance.
Single-Family Housing Repair Loans & Grants in North Carolina
The USDA Rural Development’s Single-Family Housing Repair Loans & Grants program provides financial assistance to low-income families in rural areas. Through this program, families can qualify for 1% interest loans of up to $20,000 and $7,500. Qualified homeowners may use the loan funds to repair, improve, and modernize their homes. Grants are specifically designed for senior homeowners to help them deal with issues that threaten their health and safety at home. Families eligible for loans have up to 20 years to repay them. Senior homeowners must repay grants if they sell, transfer ownership, or cease to occupy the property. Single moms, veterans, and the disabled can get approved for the program assistance. To qualify, you must occupy and have proof that you own the property. Be unable to obtain credit from other sources, meet low-income limits (50% of the area median income), and be 62 and above for grants. Families may qualify for a combination of grants and loans (up to $27,500) for home improvement assistance. Check if your home address is eligible here. Your local Rural Development Office will accept applications in your area. Visit https://www.rd.usda.gov/contact-us/state-offices to find your local RD office. Approval for the program assistance depends on the availability of funds. To assist with the program application, contact a USDA Home Loan Specialist in your location. Find more details about the program at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/nc.
Home Repair Grants in Gastonia
You may qualify for home repair grants to fix your home and make it nicer. Please note that the city grants cannot pay for certain things. To qualify for assistance, you must provide details of how you will make use of the funds; specify the home repair upgrades you need to make at your home. You need to provide information about your current income and household size. Single moms, veterans, the disabled, and elderly homeowners may apply for these grants. Read more at http://www.cityofgastonia.com/.