How can I get a grant or something to help me with closing cost for my house?
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.
1144172
Best way is the 80/20 with a credit score of 580 and above you don't have to put any money down. And the closing cost can be as low as 1 percent, and you might not even pay for closing cost at all.  \n\nIf you do need a loan or both contact me for help..\n\nssvay@alglender.com
1169835
Contact your local housing authority to find out what options you have.  It varies from state to state and locale to locale, so specific options are hard to give.\n\nIf you haven't done a final close, then you can likely back out or negotiate a discount for repairs.  If you have already performed a final close, you may have to sue for damages, but this depends on jurisdiction.  Some places allow you to enter into a grievance with the inspector which may be resolved by an aribtrator or a judge.
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
234554
Trust me, it's possible.  I know because I did it.  Try the government funding agencies.  I was actually very lucky because the agent that sold me this house knew where to go to get help for people like us.  Do some research on the internet.  Not sure which state or country you live in but I am sure there is help available.  Good luck.
279641
The mortgage lender will not provide an attorney for you.  If there is an attorney at the closing, be assured that unless you signed a retainer agreement hiring that attorney to represent you, that attorney is representing someone else.\n\nThe answer to whether you need an attorney is "it depends."  (Sorry, but true.)  If you are questioning ANYTHING about the transaction, I would advise hiring an attorney for a flat fee (as opposed to an hourly rate) to review the paperwork prior to closing (if it's a basic buyer/seller transaction, reviewing the paperwork should not take more than a couple of hours, at most) and possibly accompany you to the closing.  Again, if it is a simple transaction, the closing should not take longer than a half-hour or so.  You can very likely get legal representation for that amount of time (two hours to review documents, plus accompanying you t the closing) for around $1000.00 or so.  It seems like a lot of money, but considering what you're paying for your home, I think it would be a good investment.
950871
I live in NY (Nassau County) where property taxes are through the roof. There are companies here that specialize in property tax reduction and charge you 1/2 of the reduction amount with a small application fee that the county requires, if they fail then you lost nothing but your application fee. I have also worked in the business of tax reductions as well. my advice is to consult one of these companies, if not consult a real estate attorney that handles these issues. Paying for an appraisal might work but it could cost you and if you lose then you will be out 300-350. With the other companies if you lose you will lose a small application fee ($25). Also, the process takes a year so you will not see a reduction for at least that period. Good luck.
127013
Buying grants. 1. you can search hud web site and check you local city. Also it depends on the type grant you are looking for. ( Free money?) ( down payment assitance) I would need to know more about your needs are.
460586
Try your local council leisure department.  They should be able to signpost you and/ or give  a grant themselves.  You may be entitled to business rate reduction as well.
88573
I almost did, but found out I would be paying almost twice a much for house.  You can get non-documentation loan, but they are tricky too.  Check with several real estate agents or an attorney.
200539
hate to tell you this but nothing is free... hidden in the deep dark reccesses of any grant contract is a little clause that says you have to pay it back... read grant contracts very close ... and never believe all those scam shows on tv about being able to own a home with nothing down and being able to get free grants ... just another way of getting your credit card info or your credit rating...
735126
Talk to your Realtor about this.  He should know a mortgage company that can help you.  As golfer said, not all companies are FHA approved, and so they don't have that option for you.  FHA is a bit easier on your credit score as well as medical bills.  Do get pre-approved prior to shopping for homes.  You don't want to be paying for inspections or appraisals, only to find out you don't qualify for that much house...\n\nFHA is also more lenient as to where your down payment and closing expense money comes from.  You can have the seller pay part of your costs.  FHA does want for you to have a minimum of 3% invested in the house.  This comes out to 2.25% minimum down payment and 0.75% towards closing expenses.  Even this 3% could come from relatives or non-profits or government grant programs.  A knowledgeable loan officer (versed in FHA) can help you with that.
81332
Go to the local District courthouse, it shouldn’t be to difficult. Don't go to an attorney, its probably under $2000 you don’t want to give half of that away to an attorney do you?\n\nGranted, attorney's can be very helpful in situations, but in small legal situations such as this you can do it.\n\nAlso, have you just tried telling the property owner that if they dont pay up then serious legal action will occur, with potential severe legal penalties? That my scare them into coming up with your money.\n\nP.S. Don't take a check, cash or a cashiers check only.
454444
How much money are you talking about? If you paid for the taxes a year in advance, then the borrower should of reimbursed you at the time of closing. If you escrowed your taxes then you should get a check back for the balance remaining on your escrows from the company holding your money.\nIf your talking about a sum of money that would match the cost of an attorney representing you at the closing, I would call it a wash and move forward. If the funds are more than that, you can always go to small claims court and file a suite again the new owners. If you win the case and they fail to pay you your money, you can then request for a judgment lien to be placed on their property.\n\nHope it works out for you.
393362
You could call a local realtor. They would probably know, if not they could direct you within your community.
1072767
I hate to be a devils advocate but if I were you I would take it to a Real Estate lawyer, and quick! Most of them will give you a free consultation and if they think you have a good case they will take it on for a piece of the winnings.  A lot of them won't charge you if you lose.
875032
It's not entirely impossible. How's your credit? Have you or your spouse been working at a job for 2 years or more? With paying rent, can you provide rental verification? Have you ever claimed bankruptcy, if so how long ago? There are a lot of houses for sale with the owner offering to pay towards closing costs. And if you have good enough credit, you may be able to come into the loan without a down payment and also have the luxury of the seller contributions. Depending on the house you're interested in. There are a lot of questions behind that question, you just have to get started on the pre-qual process and then find out from there.