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 permanently 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.
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Nicole Thelin
Nicole leads the Low Income Relief team with over 20 years of professional research and writing experience. Nicole started Low Income Relief after a personal experience with poverty. When her husband was medically discharged from the US Army, their family experienced tremendous financial hardship. Nicole was able to gather help from multiple community agencies and move into a nearby low income housing unit in just two weeks! Since then, Nicole has been dedicated to helping low income families in crisis. She regularly spends hundreds of hours combing through countless resources to make sure that Low Income Relief has the most comprehensive and complete resource directories on the internet today. Prior to starting Low Income Relief, Nicole worked as a novelist, journalist, ghostwriter and content creator. Her work has been featured in various print and online publications, including USA Today, eHow, Livestrong, Legal Beagle, The Daily Herald, The Chronicle and more.
Dianna
Friday 17th of June 2022
Hey, I’m disabled have been since I was 24. I’m now 54. Managed to get a used Mobile Home. The older one was really bad. I need help to get a heat pump. Between Winter being cold and using a electric heater, well, it’s cold. Between Summer being so hot I managed to get a 5000 B.T.U. Window air conditioner. It don’t hardly cool just my bedroom. I’m getting worse in health. They have me listed on standby for home care. Medical is: Fibromyalgia, Disc Deteriorating “ already have 2 in upper back, 3 in middle of back, and 4 in lower back.”, pituitary mass, carpal tunnel in both arms, have stage 4 none-alcoholic cirrhosis of the liver, and cataracts in both eyes. It’s nearly impossible to get help. I don’t want money, I just want everything fixed and have heat and air. Even with all this I refuse to let go of Jesus. I prayed then was lead to go to uTube and search and I found you. I have been trying for almost 2 years. I’m tired nothing has been even remotely easy with any of this. I know it’s allot, I’m just at the end of my rope hanging on by threads. I need solid help without the run around. So any doors you can open so that all this be done I would really be grateful for.
May all of yours be Blessed Thank you.
Isaac
Friday 17th of June 2022
Low Income Relief is an information service and does not provide cash or items directly. You will need to search our website for information about organizations that can help you meet those needs. Chat with Lira, she might be able to help! https://lowincomerelief.com/chat/
Cheryl L Rogers
Thursday 16th of June 2022
I am trying to assist my mother and aunt with home repair. Both of them stay in the same house together and is on a fix income. My mother who is 78 and my aunt is 76 but lady is very impendent and trying to stay in the house as long as they can. But there are some repairs that need to be made and the ladies cannot afford it.
Isaac
Friday 17th of June 2022
Information on this should be in the article above. Chat with Lira, she might be able to help! https://lowincomerelief.com/chat/
Angelia
Sunday 22nd of May 2022
I need to have my roof fixed. The insurance company won't fix it and it is beginning to smell moldy. I have leaks throughout my home and have informed my insurance company they have sent one of their agents out to look at it but refused to fix it. I need help.
Isaac
Saturday 28th of May 2022
Information on this should be in the article above. Chat with Lira, she might be able to help! https://lowincomerelief.com/chat/
Mary Mckinney
Wednesday 29th of December 2021
My husband is disable and we need to have our bathroom redone with a walk in shower.We need financial assistance
Isaac
Monday 17th of January 2022
Low Income Relief is an information service and does not provide cash or items directly. You will need to search our website for information about organizations that can help you meet those needs. Chat with Lira, she might be able to help! https://lowincomerelief.com/chat/
Darkie Leonard
Thursday 14th of October 2021
My name is Darkie Leonard I'm 56 years of age on SSI and my house indeed of repairs real bad not livable at but don't have any choice to stay here ?
Isaac
Monday 29th of November 2021
Low Income Relief is an information service and does not provide cash or items directly. You will need to search our website for information about organizations that can help you meet those needs. Sorry! I hope this helps, or you can Chat with Lira She should be able to help, https://lowincomerelief.com/chat/