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.
Housing counseling agencies can assist you with foreclosure counseling, home repair education and other essential services! These agencies can be found all across Alabama. Here’s a HUD list 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.
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.
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Barbara
I am trying to assist an 83 year old family friend with a roof repair. She needs financial assistance as she can not afford the costs which have been quoted. This problem has prevented her from acquiring insurance on her home. She has no homeowners insurance! Whatever can be done to assist her will be appreciated.
Riley Thomson
Barbara,
This is everything we have for Home Repair Grants. You could also try 211.org for more resources in your area. I hope this helps.
-Riley
Kim Nielsen
Hello. I’m on disability and just had 1st and 3rd grade grandson’s dropped off with no clothes. Already raising 15 yr old granddaughter. Getting them in school has tapped me out. Not to mention I had to get beds. Thank God I just got foodstamps. I still have two weeks before I get my check and and I literally have 75 cents to my name. I’m going to apply for TANIF tomorrow. Please let me know of any assistance. Also their school pictures came in and I want to get get a small package so bad but I just don’t see it happening. Just seen a bad spot on my roof that needs some major attention. (Found a mushroom growing on trim where it’s leaking) At least we have food. Praise God for that.
PS. I’ve heard that if we don’t vent we will blow up!..lol..thanks for helping all of us. You are a good send!
Riley Thomson
Kim,
Wow! You have a lot on your plate! We do have some information about school supplies here. Also, since you have food stamps, you should definitely check out these resources. And this is everything we have for home repair grants. I hope this helps.
-Riley
Lucy Leena
I am 68 and on SS only. my house is as old as I am and has a natural gas GRAVITY heater that is in need of REPAIR. the unit has NO moving parts, and the pilot WILL LIGHT but the ignitor or what ever it is that actually feeds GAS to the burner, isn’t functioning. I do NOT want a new unit as (even though this is a very old heater, when it heats, it REALLY HEATS well and is efficient for my 900 sq ft house) JUST a proper repair or part replacement. I have called EVERY plumbing service in Huntsville, but most of course now are super busy AND most only want to sell me a new furnace. I cant afford a new furnace much less the cost to install one (even on payments, my income is LESS than $900 PER YEAR and I scrape by monthly to pay insurance on the house and vehicle (2005 model car, that I try to maintain and not have to replace). I don’t have any savings other than what I set aside monthly to pay the house/car insurance by they year (since its actually discounted that way).
do you know of ANYONE that’s old school and actually KNOWS ABOUT THESE old time gravity furnaces, that can at least come SEE what the problem is and hopefully fix it and not charge me hundreds of dollars? in the 20 yrs I have lived here, I have had SEVERAL come out, only to be overcharged to simply replace a WIRE to the thermostat (the ‘repair guy’ claimed he had to buy a SPECIAL WIRE which I later found out was just a piece of wire he already HAD ON HIS TRUCK but charged me $50 for the wire and another $50 for the ‘service call’. for ME, this was and still is a tremendous cost).
ANY help to get this furnace up and running again is greatly appreciated. I have already done the plastic on windows to try keeping out the cold air, but its a minimal solution at best. Also, the ONLY heat here is from the mini split unit and that simply does NOT heat sufficiently even though it was ‘serviced’ in May.
thank you.
Riley Thomson
Lucy,
I’m so sorry to hear this! I’m not sure of anyone specifically to fix that problem. I would recommend trying 211.org or checking with your local community action program. I hope this helps.
-Riley
Stacey
Hi Nicole, have you done any research in the Jackson county area? Please do let me know. Thank you 😊
Hannah Benge
I will make sure it’s on the research list! Thanks! – Hannah