I am a single mother with an adult daughter living with me. My only income is Social Security Disability and I also have lots of debt I'm trying to pay off. I was just told that many of the tiles and underlying sheetrock in my shower need to be ripped out and replaced (the building I live in is very old--it's an apartment building that was turned into condos; the original tiles are in the bathroom).
I cannot afford to pay for this, but it needs to be redone as soon as possible; water has accumulated behind the tiles and it has caused a leak to the unit below mine. My neighbor has a huge hole in her bathroom ceiling because of it. How can I get this work completed without having to pay a huge amount up front (or at all)?
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You may qualify for a grant, which doesn't have to be paid back. HUD (www.hud.org) offers these.
You can also qualify for a loan. I read this online:
The U.S. Department of Agriculture has what it calls the Very Low-Income Housing Repair program, which provides loans and grants to homeowners to repair, improve or modernize their homes. The department also offers the Rural Housing Repair and Rehabilitation Grant, which is available to homeowners 62 and older; funds may be used for repairs to improve health, safety or make the home accessible for a resident with disabilities.
As you can imagine, the best way to find out about these grants is to search online and see what you come up with, or talk to someone in your community who might be in the know at a local housing nonprofit, the chamber of commerce, your bank or your local Department of Housing and Urban Development office. People at the HUD offices may be able to direct you to an agency or nonprofit that can help or they may be able to help you get a community development block grant, money that goes toward everything from affordable housing to home repairs.
SENIORS-National Council On Aging (NCOA)
US Administration on Aging 800.677.1116 www.eldercare.gov-financial, employment, legal & caregiving help
Also:
SENIOR REPAIRS
You can try this agency for possible help-scroll down to your state for the correct agency.
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