Do you live in a manufactured home that needs maintenance? Are you looking for help with mobile home repairs? We have information on resources that you may qualify for!
What is the difference between a mobile home and a manufactured home?
According to Housing and Urban Development (HUD), mobile and manufactured homes are homes that can be moved. Homes constructed prior to 1976 are considered mobile homes, while homes built after 1976 were built to new HUD standards and are referred to as manufactured homes.
The differences between mobile homes and traditional homes can make mobile homes harder to finance with a bank or lender due to age and type of construction. If you need help with mobile home repairs, we have a few options that may be able to help you finance them!
What kind of programs are available for help with mobile home repairs?
Four avenues you may be able to receive help with mobile home repairs include state, local, tribal, and federal programs. The specific services you may be eligible for can depend on where you live, and ethnic and cultural communities you may belong to!
State help for mobile home repairs!
There are many programs through the United States for help with mobile home repairs that are specific for residents of that state. Want to learn more about help that may be available in your state? We’ve got you covered with our home repair grants series!
Local help for mobile home repairs!
Many charities focus on helping their local neighbors! You may be able to call 2-1-1 to be directed to community services nearby.
Many churches and youth programs are also willing to lend a hand to community members who need home repairs. This may come in the form of financial assistance for contractors or materials, or may include people volunteering their time and expertise for repairs!
Who knows? Installing a safe entrance to your home may be a great project for a Boy Scout troop!
Tribal help for mobile home repairs!
The Bureau of Indian Affairs manages the Housing Improvement Program to help qualified tribal residents repair and renovate their homes. To qualify, you must be a member of an American Indian tribe or an Alaska Native, as well as having an income at 150% or less of the US Department of Health and Human Services poverty guidelines.
The Housing Improvement Program can provide up to $7,500 for repairs needed due to a health or safety threat, as well as up to $60,000 for repairs to improve the condition of the house to meet building code standards.
The Office of Native American Programs can also help determine if you qualify for the Indian Home Loan Guarantee program. This may enable you to have repairs done as part of a mortgage.
Federal help for mobile home repairs
Some federal programs that may be able to help are managed by Veterans Affairs, Low Income Home Energy Assistance Program, and the United States Department of Agriculture (USDA). See if you may qualify below!
Help for veterans!
The Department of Veterans Affairs (VA) has programs that may allow servicemembers to cash out equity to make mobile home repairs. You may be able to refinance your VA home loan to get a VA-backed cash-out loan to pay for repairs.
The VA also has a Disabled Veteran Housing Assistance program that can help make a home accessible to a veteran with disabilities. You can apply online for a Specially Adapted Housing or Special Housing Adaptation grant.
Low Income Home Energy Assistance Program
The Low Income Home Energy Assistance Program (LIHEAP) is managed by the US Department of Health and Human Services and may help you with help for mobile home repairs due to weather. This program may be able to help you weatherize your mobile home to stay cooler in the summer and warmer in the winter!
There are income limits to qualify for the program and families with elderly or disabled persons may receive priority or additional assistance. You can check to see if your family may qualify at the LIHEAP page or call the National Energy Assistance Referral at 1-866-674-6327.
USDA help for mobile home repairs!
The United States Department of Agriculture has multiple programs that may be able to help with mobile home repairs. These can depend on the location of the home, the age of the residents, and the household income.
USDA Rural Housing Repair Loans and Grants program
The USDA Rural Housing Repair Loans and Grants program offers up to $20,000 in loans at 1% interest for up to 20 years to qualifying homeowners. Grants may be offered for safety/health repairs for those who qualify over 62-years of age. You may be eligible for a loan, grant, or combination of loans and grants depending on your location, age, and income.
You can apply for help from the Rural Housing Repair Loan and Grant program online!
USDA Single Family Housing Repair Loans and Grants
The USDA Single Family Housing Repair Loans and Grants program is also known as the Section 504 Home Repair program. This program also may be able to help with repairs for safety/hazardous conditions for you depending on location, age, and income.
The loan amount may be up to $40,000 financed for 20 years at 1% interest. Grants may be provided up to $10,000. Depending on income level, you may qualify for a loan, grant, or a combination of both.
Local USDA Loan Specialists handle applications for this program, and you can find more information for USDA Single Family Housing Repair Loans and Grants online!
We’ve covered state, local, tribal, and federal programs that may provide help for mobile home repairs. Still need more help?