Grants for Single Mothers to Pay Bills:-

Eligibility Criteria for Grants. If you are divorced or your child's father is deceased or seriously injured, disabled or handicapped, you may face the challenge of materially and financially supporting yourself and your children. To be eligible for government grants, college grans, scholarships, single mothers need to be residents of the state they reside in. In case you are a foreign national, you should have been residing in the US for three years prior to the application for seeking a grant. Apply Today!!
In the US, government grants for single mothers are a rescue for those mothers who are in a deep financial crisis. Mostly, they're sponsored by the United States Departments of Public Welfare and are meant for helping single mothers. Single mothers have to manage their education (mostly), their kids schooling, medical and household expenses. This often compels them to take loans and borrow money.

Owing to lots of financial burden, single mothers may end up in debts. It is a lesser known fact that single mothers can use government grants to get debt relief. Since the layman is aware of debt consolidation, debt settlement and other suitable programs, he hardly pays heed to government grants that can help them to get rid of huge debts. Government grants for single mothers to pay bills is possible. Single mothers can use the grant money for paying unpaid medical bills, for business start-ups and paying for higher education money.

In the recent years, credit card firms have made it easier for people to get a credit card. Hundreds of requests for credit cards fill your email in-boxes and tempt you to fill the application forms and get a new credit card. The reality is that with every new credit card, you may develop a bad habit to splurge and you will end up being in more debt. One of the worst things to get stuck with, is unpaid credit card debt. Hence, it's best to restrict your use of credit cards. It's surprising for people to discover that there are free government grants to pay off debt. However, the fact is that there are several government schemes that pay off your debts by imposing some nominal limitations and restrictions.

Single Mother Grants

Grants for single mothers to pay off debt are a possibility today and so there are several grants for single mothers to pay bills. In fact, single mothers can easily apply for such grants to pay off bills by visiting the government grants website. Once you visit the government website and have registered yourself, you will be given a Catalog of Federal Domestic Assistance (CFDA) number. This will help you to keep a track of your application form. You will also be given a funding opportunity number that you can use to check the status of your forms. Government grants for single mothers to pay bills of education, credit cards, medical bills and other types of aids are also possible.

Investing in education is one of the simplest ways by which mothers can get out of financial problems. College grants for single moms are among the most beneficial programs offered for single mothers to complete their education and make it possible to earn a full-time salaried jobs.

In the US, there are also some church run programs, debt relief programs that are in the form of grants for single mothers to pay bills. Some factors that are taken into consideration while providing these grants are that you must be a citizen of US and must belong to a lower income family bracket.

Medical health care, that may range from normal medical treatment to surgeries can often be very expensive and difficult for a single mothers to manage. Grants for medical bills are provided by various programs like RX outreach. Single mothers can contact officials of such programs and know the procedure of applying for such grants.

In case, you are wondering how to apply for free government grants, then you've got to visit the website grantsgov. This dedicated website provides you with all information regarding free governments. Grants for single mothers to pay bills are possible by properly filling the forms available on the government website. Personal grants to pay off debt are analyzed properly by the agency paying you the money. If they see that there is no other way for you to get rid of debts, they help you with the grants. Grants for single mothers to pay bills are possible through million of dollars that go unclaimed every year, owing to lack of awareness among the general population.
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Saturday, 21 April 2012

Government Grants for Single Mothers Buying Home for First Time

Government Grants for Single Mothers Buying Home for First Time

It is very important for single moms to put a secure roof over their children's head. This home is where the kids will come to everyday after school so it must be hygiene, secure & livable. For single moms that are breadwinners of the home, it is not particularly easy in this economy where jobs are scarce & housing becomes even more expensive. Also, interest rates for 5 year fixed mortgages are on the rise, which would also add to the costs of buying a home. This article is geared towards single moms who want to buy a home first the first time. Go here if you are interested in renting a government subsidized affordable housing for single moms.
Being a single parent, you must consider homes & choose one carefully that meets your lifestyle & living preferences. A single mom must look for safety, affordability & durability of the new home. Whichever area you choose to live in, whether a busy area close to downtown or in the suburb, you must make sure it is affordable and does not stretch your budget making life stressful. Also, the surrounding area must be safe & secure with good neighbours. If you decide to purchase a home, make sure to get it inspected by a property inspector to make sure it is durable & built to last.

The Federal Housing Association (FHA) allows single moms to purchase homes with only 3.5% down payment & to obtain a 96.5% mortgage loan. The loan is typically issued by a financial institution such as a bank or credit union & is insured by the Federal Housing Association. The advantages of such loans are:

- Lower down payments
- Lower closing costs
- Easy credit approval

FHA First Time Home Buyers Program does not require a certain credit score to approve home loans for single moms. Nor does it require your rental history. Visit their website below for lots more information. Sample topics they provide are how to buy fixer-upper homes, financial help for seniors above 62 years, how to make your home more energy efficient, etc.

ii) AmeriDream Inc. - Down Payment Assistance for Home Buyers

AmeriDream Inc. is a charitable organization that allows qualified low to moderate income single mothers to purchase homes at affordable prices, improve their lives & raise a family. The AmeriDream Down Payment Assistance program allows single moms to purchase homes by giving them the required down payment. This grant does NOT have to be repaid to AmeriDream and is considered a 'financial gift.' According to the company's website, AmeriDream has helped over 250,000 families become home owners.

AmeriDream provides various other services such as Home Retention Program that allows people who are going through hardship in life such as loss of job, divorce, or serious family illness to retain their homes by providing foreclosure prevention counseling. AmeriDream also offers the Homebuyer Education Program that allows single moms to make good decisions when purchasing their home. Tutoring is available in English & Spanish and in physical classrooms & via interactive online classes.

AmeriDream Building Affordable Homes is another initiative by the organization that is developing 106 affordable homes in Southeast Washington, DC. Known as the Woodson Heights, the initiative will cost $30 million and is meant to provide a safe reliable neighbourhood for hundreds of eligible single moms.

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