Whether you’re struggling to make your mortgage payments or faced with an unexpected repair expense in Alabama, there is help available to you! While researching low income home buyer programs in Alabama, we stumbled across several helpful programs for those who already own their own homes.
Alabama has many helpful programs for homeowners!
Low income homeowners nationwide have a hard time meeting their mortgage payments. If you are at risk of foreclosure because you’re struggling to make your housing payment, these programs can help you!
Hardest Hit Alabama is a foreclosure prevention program that assists homeowners who are facing temporary financial hardships. You may be able to receive up to $60,000 in assistance through their programs. The program is reporting closed as of March 2021, but it is not clear if this is a permanent closure or simply for the remainder of the 2021 year.
Housing counseling agencies can assist you with foreclosure counseling, home repair education and other essential services! The HUD website can provide you with contact information for agencies in Andalusia, Auburn, Birmingham, Cullman, Decatur, Florence, Greensboro, Greenville, Hayneville, Huntsville, Jasper, Millbrook, Mobile, Montgomery, Moulton, Ozark, Prichard, Russellville, Rutledge, Sheffield, Troy, Tuscaloosa and Union Springs.
Tax exemptions are available to Alabama residents who are at least 65 years old OR permanent and totally disabled OR blind. If you meet any of those criteria, you will not have to pay the state portion of the property taxes. Some county taxes may still be due.
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Alabama cities and counties may offer additional assistance.
Birmingham Neighborhood Housing Services assists with rehabilitation and repairs. To qualify, homeowners must be low income, participate in two Financial Fitness workshops, and provide proof of insurance coverage. They also offer free foreclosure prevention workshops that have a 90% success rate in helping their clients save their homes!
Jefferson County offers home rehabilitation grants to residents who have lived in their homes for at least a year. The home must be located within the boundaries of the Jefferson County Community Development Consortium, which is all of Jefferson County that is outside the city limits of Birmingham, Bessemer, Hoover, County Line, Sumiton, Argo and Helena.
Tuscaloosa offers home repair grants through HOME funds. These funds can also be used for home purchases, building, and other property services.