Federal grants and loans are available for eligible low-income rural residents in need of home repairs.
Loans may be used to repair or replace a furnace, install insulation, gutters, storm doors and windows or replacement siding, fix leaky roofs, repair faulty wiring, install and/or repair sanitary water and waste disposal systems or to remodel homes to make them accessible for developmentally disabled people.
Up to $20,000 is available at an interest rate of 1 percent, with repayment terms of 20 years.
To qualify, the house must be in an eligible rural area and applicants must have a satisfactory credit history and a stable source of income.
Grants of up to $7,500 are available for rural residents who are at least 62 and cannot show repayment for a repair loan. Grant funds are limited and can be used only to remove health and safety hazards.
Residents of Ashtabula, Geauga, Lake, Mahoning, Portage or Trumbull counties should contact Denise McCann, housing specialist, in the U.S. Department of Agriculture's Rural Development office in Massillon, at (330) 830-7700, Ext. 145, or e-mail email@example.com.
For more information on USDA Rural Development programs, contact the Massillon office at (330) 830-7700, menu option 4, or online at www.rurdev.usda.gov.