The U.S. government provides several programs for home owners, including the Rural Housing Repair Loan, the Home and Property Disaster Loan, and the Rural Housing Loan. The government also offers insurance programs and help with loan management.
Very low-income homeowners are eligible for the Rural Housing Repair Loan. The loan allows people to remove safety hazards and repair or modernize houses in rural areas. People who are over 62 years old may qualify for a grant.
People that have gone through a disaster may apply for a Home and Property Disaster Loan. People can use the funds to re-establish themselves as homeowners. The program is only for homes that people need to reconstruct or replace.
People can apply to the Rural Housing Loan to buy, build or improve a permanent residence in a rural area. Successful applicants must have a low or moderate income.