I hit enter too soon here's the complete message
--- In [email protected], "Jennifer" <jennifern...@...>
wrote:
>
> HUD doesn't give grants to individuals. It gives grants to non-
profits
> and municipalities. I know AP has HUD funding for housing. Hazel
> Samuels runs the department and I believe it is Rosetta that is in
> charge of the program.
> Coastal Habitat for Humanity runs a program that helps people fix
up
> their homes. If you qualify, they will come to your house and do
minor
> repairs. If you are able then you will have to help them. The
city
> uses this program and has applications available in the Dept. of
> Housing. The program operates in warmer weather.
> www.coastalhabitat.org
> Most of these programs are for low income homeowners. People who
are
> above the income limit may have to turn to loans. Loans require
equity
> and can be tougher to come by these days. There are 203K loans
from
> FHA which allow you to refinance the property at its after-repaired
> value. The loan includes funds for the repairs or improvements and
it
> requires you to make the repairs in a set amount of time. You have
to
> use a general contractor to make the repairs most of the time. I
> worked with Jim Ragan at Bank of NY. He's the 203K guru. 1913
> Atlantic Ave # 212
> Manasquan, NJ 08736
732-528-0548.
You can tell him I sent you.
Lastly, if none of this is an option due to no equity, credit issues,
no income
>
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