Can u get a gov. grant to buy a home without going through a bank and with bad credit?
929055
Not a GOVERNMENT grant, but there are some organizations that give assistance to those who cannot afford to buy homes. Grants are given to non profits, who in turn give assistance to folks like you.\n\nI suggest you check out non profits such as Habitat for Humanity, though I understand their programs include providing for sweat equity (e.g. you need to help construct the house)\n\nAlso visit the Nehemiah Corp as they have a downpayment assistance program for qualified lenders http://www.getdownpayment.com/\n\nThe Housing and Urban Development in their Grants Available page makes it clear that they do not provide grants to individuals -- hence no grants for a person to buy a home http://www.hud.gov/grants/index.cfm\n\n"While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available."\n\n You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two FREE sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.\n\nNote though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants. \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs
156362
You can't.  If you have bad credit, you are a high risk.  You WILL pay more for a loan, PERIOD.
85304
Well, more than 75% of the people throughout the country do carry bad credit and all of them get the loan from somewhere or the other so there is no reason why you can't. I'm a loan officer myself and has helped many.....give me a call if you like and i may be able to help you out.
1070480
That isn't going to be easy.  Most places do a credit check.  There are ways with good credit to buy with no money down.  An individual might sell you real estate that way, but it isn't a wise way to do business.
396203
go here there are lots of loan programs that may help you http://www.allsolutionsnetwork.com/cgi-bin/d.cgi/CB9051/no_down_loans.htm
41749
the US department of commerce runs the Small Business Administration (SBA) which is designed to encourage the growth of small businesses.  however, they do not offer grants, but do offer a variety of loans here:\n\nhttp://www.sba.gov/financing/index.html\n\nhowever they do offer a list of various grant sources that may come in useful.  keep in mind though, that unless you are starting a not-for-profit, getting a grant is pretty unlikely, unless you happen to serve some special interest.  here is the list of grant agencies:\n\nhttp://www.sba.gov/financing/basics/grants.html\n\ngood luck !
1114731
You can.  I know people who have done it.  In some very rare times you can even recieve a check when you buy a home.  It is possible but not always easy.  Each market is different and each seller is too.
595948
It depends on what kind of grant you want.  For an extensive listing of various kinds of government grants, check out "Free Money for Everybody" by Matthew Lesko.  Your local public library will either have a copy of this book or be able to get a copy for you from another library.  Some government grants are more complex to apply for than others.  The larger the grant, the more likely it is that you will need help filling out the forms.
769231
Yes you would be able to get a mortgage, but there are certain things that will help improve you programs. Like if you have re-established credit. Example if you have a credit card, car loan or some other form of credit. I have been able to help people buy homes the day out of a bankruptcy. Fell free to log onto my company website http:/justgetaloan.net/ for a fast free pre-approval, low rates, great loan programs and service. Or for additional info feel free to contact me at 866 530 7300 ext 7305 or by email at jfreeman@justgetaloan.net
541848
There are indeed ways to by a house even with poor credit.  The powers that be do understand that people have to live somewhere and pay, so they do loan people money.  Nowadays, one can even find homes to buy with very little or nothing down.  Usually the penalty for bad credit is higher interest rates though.
966225
The Housing and Urban Development in their Grants Available page makes it clear that they do not provide grants to individuals -- hence no grants for a person to buy a home http://www.hud.gov/grants/index.cfm\n\n"While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available."\n\nI suggest you check out non profits, who are the recipients of most housing grants. Check out Habitat for Humanity - though I doubt they offer closing cost assistance (I know they offer something like sweat-for-equity where you build your house). \n\nAlso visit the Nehemiah Corp as they have a downpayment assistance program for qualified lenders  http://www.getdownpayment.com/  - but then again, your needs are for closing costs.\n\n You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two FREE sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes. I doubt though that you can find any grants to assist you for your closing costs.\n\nTalk to your realtor and mortgage lender and ask them if they could direct you to any assistance program.
899623
yes there is a way, some banks allow you to do what they call "stated income, stated assets" that is a program that allows the borrower to state their income to whatever (within reason) to make them qualify for the loan. The down side is the intrest rate is a little higher than normal usually about .50 of a %. with that kind of down payment I could get him into a home fairly easy, and depending on his credit score he may not have to put all of his money down. email me if you are intrested, i can give you more advise or even help you out with it.
841481
All states, including Texas, offer a government sponsored first time home buyer program directed towards lower income buyers.  The buyer (or better yet ... the borrower) definitely needs to be a citizen.  If your credit is a mess, they usually offer credit counseling as a free service.  These government programs usually include down payment assistance in the form of a forgivable deferred loan (a loan you never have to pay back that goes away over a small number of years), which is much like a grant as long as you don't buy and sell your house fast.  Some states offer special interest rates too.  It usually works out to be a better than average deal if you can qualify.  I found the program for Texas in the link below.  Good luck!
674030
you need to finish that paperwork to apply for the loan.  It's all gov't.
798310
You stand a greater chance of getting a government-guaranteed loan through the Small Business Administration http://www.sba.gov/financing than a government grant. Read the SBA Financing page to learn about criteria needed for borrowing \n\nIt is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.\n\nNonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.\n\nEven SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html\n\n"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."\n\nHere is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.\nhttp://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show\n\nMost of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs \n\nI suggest you read the following books to get ideas of how to finance your business:\n\nFinancing Your Small Business  http://www.amazon.com/exec/obidos/ASIN/1572484500/powerhomebizguid\nSmall Business Financing: How and Where To Get It http://www.amazon.com/exec/obidos/ASIN/0808007386/powerhomebizguid\nFinancing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing http://www.amazon.com/exec/obidos/ASIN/1580626815/powerhomebizguid\nThe SBA Loan Book http://www.amazon.com/exec/obidos/ASIN/158062202X/powerhomebizguid\nAngel Capital : How to Raise Early-Stage Private Equity Financing http://www.amazon.com/exec/obidos/ASIN/0471690635/powerhomebizguid\nFinancing Your Small Business (Barron's Business Library Series) http://www.amazon.com/exec/obidos/ASIN/0764124897/powerhomebizguid\n\nFor private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online http://gtionline.fdncenter.org  . It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs. But they may have grants for artists like you.
330272
Its not easy buying a home with bad credit. Its not easy buying a home with good credit now adays. I say, go through a credit builder and discuss your debt with them. It might take some months or even some years until you get your credit straight before you buy a home.  If you have bad credit now, the house is just gonna make it worse if you don't pay your notes and bills.
869644
No. The government is NOT in the business of giving away free money for the sake of giving away money. There are no grants for paying bills, no grants for paying off credit cards, no grants for getting out of debt and no grants for simply fattening your wallet.  There are no grants for paying off a pharmacy or buying a computer\n\nGrants are free, but it means OBLIGATION. You will be obligated to do as the grant sets out to do. Grants have objectives, and your purpose must fit the objective of the grant.\n\nFor one, you have to write the grant application and the grant application is not a simple document - you have to explain how your purpose for applying for the grant fits well with the objectives set out by the grant.\n\nThere is a stringent review process through a committee. You will compete with other applicants for the grant money, and this grant review committee will evaluate the merits of each proposal. Only those that they feel exemplifies the objective of the grant will be approved.\n\nYou can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.\n\nNote though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants. \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs