Housing
The Federal Government gives away billions of dollars each year for housing grants, based on need and availability.
Besides the federal government there are grant funds for housing available at state and local levels. Unlike loans, these housing grants do not have to be paid back.
There are also housing grants for remodeling and renovating your home. Several government and private programs will help pay for improvements to homes that can help home ownerÕs save money.
Many other programs are out there to help first time home buyers through banks, charities, and non profit organizations.