Billions of dollars available to homeowners! See what you can get now!
Billions of dollars available to homeowners! See what you can get now!

Home Improvement

There are a number of ways that you can use home renovations and improvements to save money and minimize your taxes. 

Generally, home renovations are not expenses that can save you money, however there are a few energy-efficient home improvements that can lower your taxes. You can also use various home improvements as a method of increasing the value of your home, so when it’s time to sell you can make more.

Here are some ways to get money to get started:

Loans for Home Repairs:

  • Property Improvement Loan Insurance (Title I) - The Federal Housing Administration (FHA) makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements. Lending institutions make loans from their own funds to eligible borrowers to finance these improvements.  Learn more! 
  • Rebuilding Together, Inc.- is a national nonprofit working to preserve affordable homeownership and revitalize neighborhoods by providing free home repairs and modifications to low-income homeowners. Learn more! 
  • Weatherization Assistance Program - provides grants to states, territories, and some Indian tribes to improve the energy efficiency of the homes of low-income families. These governments, in turn, contract with local governments and nonprofit agencies to provide weatherization services to those in need using the latest technologies for home energy upgrades. Learn more! 
  • Military 
    • VA’s Purchase Loans - The Department of Veterans Affairs helps military personnel purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance. Learn more! 
    • VA's Cash-Out Refinance Loan - is for homeowners who want to take cash out of their home equity to take care of concerns like paying off debt, funding school, or making home improvements. The Cash-Out Refinance Loan can also be used to refinance a non-VA loan into a VA loan. VA will guarantee loans up to 100% of the value of your home. Learn more! 
  • Native Americans
    • Public and Indian Housing (PIH) Customer Service Center -  ensures safe, decent, and affordable housing, creates opportunities for residents' self-sufficiency and economic independence, and assures the fiscal integrity of all program participants. Learn more! 
    • Indian Home Loan Guarantee Program - This program provides homeownership opportunities to Native Americans, Tribes, Tribally Designated Housing Entities (TDHEs), and Indian Housing Authorities on Indian land, through a guaranteed mortgage loan program available through private financial institutions. Learn more! 
    • The Native American Direct Loan (NADL) - program makes home loans available to eligible Native American Veterans who wish to purchase, construct, or improve a home on Federal Trust land or to reduce the interest rate.  Veterans who are not Native American, but who are married to a Native American non-Veteran, may be eligible for a direct loan under this program. Learn more! 
  • Senior Care
    • Older Americans Act - provides assistance in the development of new or improved programs to help older persons through grants. It supports a range of home and community-based services, such as meals-on-wheels and other nutrition programs, in-home services, transportation, legal services, elder abuse prevention and caregiver support. Learn more! 
    • The Low Income Home Energy Assistance Program (LIHEAP) - helps keep families safe and healthy through initiatives that assist families with energy costs. Senior citizens living in eligible areas and meeting low-income requirements can receive federal loans and grants for needed home repairs. Learn more!  
    • National Council on Aging (NCOA) - Helping low-income older adults with daily costs. Millions of financially vulnerable seniors and adults with disabilities qualify for—but are not yet enrolled in—benefits that could help them pay for prescription drugs, medical care, food, or heat for their homes. Learn more! 


There are Federal, State & Loval Programs available to help provide assistance with:
Mortgages Home Improvements Tax Deductions Energy and Utilities Government Loans Subletting Home Technology
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