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Why good credit is important: Even if you never plan to use credit, your score can still impact your life. If you inherited millions of dollars and don't need auto loans, credit cards or even mortgage loans, you still may not be able to escape the need for good credit. Consider car insurance, for example. It's a law that you must have auto insurance. Sure, if you have millions of dollars you can afford any insurance premium, but the fact remains that your credit score affects your rate. For those of us without millions of dollars, credit can also affect our ability to rent an apartment, get utilities, and can limit our employment choices or even hold up promotions.

Some other things that typically you can't get without credit include cell phones, elective cosmetic surgery, business loans and student loans, and high rewards credit cards.


  

Online applications for 100% free government grants, gov loans, plus unclaimed money and property search.

     

     

 

Official Government Grant Site - Grants.gov

All discretionary grants offered by the 26 federal grant agencies can be found, plus you don't have to register with Grants.gov to find grant opportunities. However, once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.


Free Grant Opportunities Search

  • Search by keyword, Funding Opportunity Number (FON) or Catalog of Federal Domestic Assistance (CFDA) number.

  • Search by a variety of categories of funding activities.

  • Search from a list of agencies offering grant opportunities.

  • Search by more specific criteria such as: Funding Instrument Type, Eligibility or Sub-agency.

  • Search for Recovery Act Opportunities.

  

   

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Newest Government Grant Opportunities ~ Click Here

 

Government Grant and Loan Facts:

Don't be scammed by ads; whether on radio, tv, or online, about free money from the government. The federal government does offer grants and loans, but the information you pay for may be misleading. Here are the facts:

 

The differences between grants and loans. Loans are obligations which must be repaid, and often with interest. A grant; however, does not require repayment, but there are extremely few grants available for individuals. Most grants are awarded to universities, researchers, cities, states, counties, and non-profit organizations. Loans are generally the best bet for individuals.

 

Grants for Personal Individual Use

As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

 

While individual grants such as Pell Grants for education are indeed available for personal education use, typically government grants are awarded to foundations and organizations, which then serve individuals.

 

But that doesn't mean that there will never be a broader range of free grants for individuals. As of the date of this article; however, there are not; for example, free grants for personal debt. To stay current with grant opportunities, individuals should frequently check for new programs.

 

In addition to government websites, there are also private foundations and website links that can assist in grant searches, in addition to submitting grant application proposals.

 

Meanwhile, if there is not yet available; or if you do not qualify, for a free grant you never have to pay back, there are still other options including state assistance programs. The best tip is to keep all your mind open to other solutions. Instead of focusing only on; for example, a free grant to pay bills, also look for assistance to help you meet other expenses (such as food or housing assistance), which would free-up money to pay debts.

  

Turn over every stone, be watchful of scams and; if you find a program which you may qualify for, consider having an experienced, professional company submit your application. For example, a lawyer that specializes in SSI disability may increase your chances of getting supplemental security income approval.

 

 

Tips:

Don't try to call the United States Department of Grants. There isn't one. Federal agencies may have different rules for who is eligible for grants and loans and how to apply.

 

To get an idea of all the federal grants available, browse the online Catalog of Federal Domestic Assistance. These listings are updated annually.

 

Be aware that grants require you to submit a proposal to the federal agency describing what you plan to do with the money. Even after submitting a proposal, it may be quite some time before the agency either approves or denies your request.

 

Grants also require you to fill out forms, generally on a quarterly basis, that tell how much money you have spent and what you have spent it on, as well as how you are progressing on the work you promised to do.

 

A better approach for most consumers is to visit GovBenefits.gov. You check off which categories you fit into (for example, veteran) and then answer a series of questions. GovBenefits will identify loans and sources of financial assistance for which you may be eligible and tell you how and where to apply. You may be surprised what you are eligible for- there are forms of assistance available for a variety of personal situations including disaster victims, farmers, or people with teaching experience.

 

Grant to go to college? Facts:

You can fill out an application for Federal Student Aid by visiting the Department of Education's website. You may be asked to provide information about your income and your family's income to determine your eligibility. Save report cards and transcripts in case you need to report your grades. Have a good idea of what schools you plan to apply to and what you want to study.

 

Visit GovLoans.gov to learn more about well-known programs such as Pell Grants, Work-Study, and Perkins and Stafford Loans.

 

The Department of Veterans Affairs website can tell you more about the "GI Bill" and other programs for veterans and their survivors and dependents.

 

GovLoans.gov also has information about Parent Loans for Undergraduate Students (PLUS). Eligible parents can borrow to pay the educational expenses of dependent undergraduate children who are enrolled in school at least part-time.

 

Beware of "scholarship scams." For example, be wary when you hear that your bank account number is needed to "hold" the scholarship. Be sure the scholarship is legitimate before giving out any personal information.

 

 

Grant to buy a home? Facts:

The Department of Housing and Urban Development (HUD) helps individuals by giving grants to non-profits and local governments, however HUD does not offer assistance directly to consumers. Visit or call the HUD office in your state to find out more.

 

Here are some HUD loans and other options to explore:

 

HUD's Federal Housing Administration (FHA) insures loans, allowing you to purchase a home for as little as 3% down. Anyone can apply, but there is a limit on the loan amount they will insure-this varies according to geographic area. You can also wrap the closing costs into your mortgage.

 

A foreclosed or "HUD Home" may have a lower asking price. Most HUD Homes are affordable for low to moderate income families.

 

Through the Department of Veterans Affairs, veterans and their families may be eligible for loans to buy a home.

 

The United States Department of Agriculture's Rural Housing Service insures loans for the purchase of homes in rural communities.

 

Fannie Mae has a website that can help you find a low cost mortgage and a lender that are right for you.

 

 

Grant to pay rent? Facts:

Visit HUD's website to learn about programs to assist you in renting a house or apartment. You can locate low-income housing, or apply for a Section 8 voucher that you can use to pay some or all of your rent.

 

The Rural Housing Service makes financing available to elderly, disabled, or low-income apartment residents in rural areas to ensure they are able to make rent payments.

 

 

Grant to start a business? Facts:

There are no grants for starting or expanding a business, but the Small Business Administration (SBA) has loans to help you start a business. You can also get all the forms you need online.

 

You can also visit a SBA Small Business Development Center for help with starting, financing, or expanding your business.

 

 

Government grant, unclaimed money and unclaimed property

As the saying goes: "Buyer Beware". If you see ads claiming you qualify to receive a "free grant" for education, to start a home business or to payoff unpaid bills but you must pay a processing or membership fee to obtain the information, be wary. Scam artists will claim your grant application is guaranteed to be accepted and approved, and you never have to repay the money. But the Federal Trade Commission (FTC) warns that these grant offers are often a scam. The grant isn't free, nor is it guaranteed, nor is a refund.

 

According to the FTC, some scam artists market "free grants" in classified ads and on the internet, as in the example ad below:

 

Example of Grant Scam Advertisement - courtesy of FTC

FREE GRANTS Never Repay — acceptance guaranteed. Government and private sources $500 - $5,000. Education, home repairs, home purchase, business, non-profits. Phone live operators 9am-9pm. Monday-Saturday 1-800-###-####, ext. [###]

  

When you call their toll free phone number, here's an example of what happens:

 

A company representative asks non-threatening, simple questions to supposedly determine if you qualify to receive a grant. The representative then acts as if he/she is checking your eligibility, and then congratulates you as being eligible. But for you to get the grant information from them, they will charge you a processing fee. Although they will promise you that the grant is guaranteed or you can get your money back, the truth is far different.

 

They will tell you that the processing fee is for finding a grant source and sending you the appropriate application package in the mail. But you won't receive an application or a source. Instead they send you a list of agencies and foundations which you must write and request an application. In order to get your refund, you must apply to; and be rejected by, all these agencies within 90 days.

 

Most grantors don't award grants to individuals for personal needs. Generally grants are to serve mankind and communities as a whole, such as job expansion, training under-employed youth, preserving history, funding charities, art museums, or for researching medical issues. So, even if you're in a financial hardship, or you may be an unwed mother, a single parent, a minority, etc, you're not likely to get approved for a personal use grant. And you may as well forget about getting a refund from the grant "broker" because the conditions for a refund are nearly impossible, requiring you to apply at every grantor on the list they provided to you and be denied by each resource within 90 days. If even one resource doesn't reject you within the first 90 days, you won't get your refund, nor will you get it back if the rejections are past the 90 day requirement.

 

If you're thinking about applying for a grant, remember that the applications are available to you for free and that anyone who guarantees you a grant is likely to be interested in their own financial gain, not yours. If you think you may have been a victim of a grant scam, file a complaint with the FTC by visiting www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

 

Don't fall for grant scams. Use the free resources available to you at public libraries, on the internet, and at Credit Federal

 

With our resources, you can research and apply, 100% free for Government Grants with no fees. Plus you'll have unlimited access to Unclaimed Money which you can immediately claim with no credit card required.  Our links also include Educational Grants, and Grants for Disabled people, and even Veteran Grants. Search now for government assistance as well as individual grant foundations.

 

Search for government bailout grants and other government debt relief grants. If you're an individual, check for government grants to pay bills.

 

Free Grants for Personal Individual Use As the economy continues to stagger, with high unemployment, rising living costs and mounting debt, consumers turn to the internet in search of free grants for personal individual use.

 

 

NOTICE: This site provides Government Grant and Unclaimed Property links as a free public service and is not a grantor.  These government resources enable you to search and apply for grants and unclaimed property with absolutely no fees, no hidden charges, and no credit card required. For Gov Grant, Unclaimed Property or Private Grant Foundation questions or applications, contact the appropriate authority. Read our article, or select specific areas: Grant to go to college, Grant to buy a home, Grant to pay rent, and Grant to start a business.

  

 

Don't be a victim. Read our latest news about scams and fraud, and join our newsletter to receive alerts.


If you refinance; or get a new loan to payoff a cosigner loan, that's the ultimate way for a cosigner getting off loan responsibility. In rare circumstances a lender may allow a cosigner release, such as if there's an abundance of security or if the primary account holder's credit rating has greatly improved and no longer requires a cosigner joint account. Circumstances such as a divorce, marriage or re-marriage, do not negate joint spouse loans and credit lines. A judge may order which ex-spouse is responsible for repaying debt, but that doesn't force a lender to remove a cosigner nor to discontinue holding a cosigner jointly responsible for repaying the debt.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

First-Time-Home-Buyers-Grants.com Review - How to Appeal for First Time Home Buyers Grants

Knowing how to appeal for first time home buyers grants can be important to those prospective homeowners out there who have the desire and the ability to own and maintain a home may not have quite the amount needed for an upfront down payment. This shouldn’t be a bar to someone who needs a first time home buyer grant, though, because there are certain programs which exist that can help.

Anything to do with first time home buyers grants can get a little complicated if one doesn’t take the time to research the subject thoroughly before trying to obtain one. And always keep in mind that an initial turn down for such a grant doesn’t mean that it’ll be impossible to still get that grant. It just means that a bit more work will be needed, is all.

The first thing to do would be to identify grant programs. Fortunately, the federal government has its own “grant.gov” website where anything that’s available about first time home buyers grants can be found. Just head to the site, start at the beginning and follow the prompts. Keep in mind, as well, that no money down home loans are also still out there just in case a grant does not pan out.

However, given that the federal government is acutely aware of the need to keep housing markets stabilized in the current challenging economic environment, first time home buyers grants are relatively open and reasonable in terms of qualifying for them. It’s always a good idea, no matter the kind of home loan being contemplated, first of all gather information on credit history, by the way.

This is because even a program that helps bring prospective buyers together with various first time home buyers grants programs will run a credit check. Obtaining a credit report and score and going over them before hand to look for errors that can trip up the application process is an excellent idea. It won’t lower credit score, either.

First time home buyers grants also come with a number of stipulations that have to be satisfied before any such grant can be awarded. First, these grants are never awarded directly to the potential buyer. Rather, first time home buyers grants usually are coordinated with the lender and the state agency that has responsibility for administering the program.

In the end, prospective homeowners need to arm themselves with as much information as possible when it comes to obtaining first time home buyers grants. It not only helps ease the stress and anxiety that comes around the home buying process in general but it also can help to greatly ensure the likelihood of getting the grant.

Basically, a first time home buyers loan usually always comes with first time home buyer assistance counseling and advice, not only by the lender but also by the government, in the form of pamphlets and “how to” instruction. There are a set of federal laws that speak to the regulation and administration of several different first time home buyers loan programs that currently exist, as a matter of fact.

Home loans for first time buyers, even in the current tight and credit market environment are possible, make no mistake about that. But, the work needed to qualify for a first time home buyers loan has increased greatly. What this means is that lining up a good credit history, references, stated or documented income and a host of other paperwork is just going to be a fact of life. Nobody, though, who’s looking for a first time home buyers loan program should become discouraged, because the government has a deep interest in encouraging home ownership in this country. There are grant programs as well as lender programs to help those looking for first time home buyers loan programs find them.

The first thing to do is make use of the Internet and a search engine. Enter in any phrase related to first time home buyers loan programs and websites and there’ll be literally hundreds of sites offering assistance. Be careful, though, to investigate thoroughly any site promising “no strings attached” grants and aid, because there are no real programs related to first time home buyers loan assistance that come with “no strings attached.”

Many lenders also have special programs set up for prospective home buyers out there on the market searching for their first home. These buyers usually have good credit and good jobs, but might not be able to swing a 20% down payment to keep LTV (“loan-to-value”) within traditional guidelines. Always check with any lender to see if it offers first time home buyers loan programs, in other words.

 
Don't be a victim of free government money scams, such as grants and loans that you never pay back.
Catalog of Federal Domestic Assistance (CFDA) provides a full listing of all Federal programs available to State and local governments (including the District of Columbia); federally-recognized Indian tribal governments; Territories (and possessions) of the United States; domestic public, quasi- public, and private profit and nonprofit organizations and institutions; specialized groups; and individuals.
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