Home Improvement Grants in New Jersey

Home improvement grants in New Jersey can help residents create a safer home or improve the return on their investment by providing the financial assistance needed to make repairs, improvements and even remodel.

Get a grant to renovate your home.

Grants are provided through New Jersey's state departments and agencies through an assortment of programs. One of these programs, known as Section 504 Program, assists low-income residents age 62 and older to help make sure their homes are safe. These funds are available for rural residents who own and occupy a dwelling that needs repair and can be used to improve or modernize a home, and to remove health and safety hazards. Home improvements under this program include:

• Foundation repairs
• Roof repairs
• Replacement or repair of water and waste disposal systems
• Structural repairs

Eligibility for these grants is determined on a county-by-county basis in combination with rural area maps. A list of eligible areas is available on the USDA's Rural Development New Jersey Page.

The maximum home improvement grant assistance available to eligible people is $7,500. Low interest loans are also available to work in tandem with the home improvement grant. However, the combined loan and grant amount cannot exceed $27,500. In order to qualify for one of these low-income home improvement grants in New Jersey, you must own and occupy the home and prove that you do not have enough income to qualify for a Section 502 loan. If you seek the low-interest home improvement loan along with the grant, you must also show proof that you will be able to repay the loan over the next 20 years.

If you are not low income, but interested in procuring a home-improvement grant, you can fill out a brief questionnaire online that does not require all your personal information such as your social security number or a credit card number. As a free service, your information is then forwarded to an officer who specializes in home improvement grants. He or she evaluates your application to determine eligibility. If you are eligible, an adviser will contact you by phone and take you through the steps necessary to receive federal or state home improvement grants in New Jersey.

Grants are available for just about any home improvement project you may have. Here's a sampling of the types of home improvement grants available:

• Interior and exterior improvements such as repairs, renovations and maintenance
• Remodel work, including adding on to your home
• Roofing
• Plumbing
• Electrical
• Energy efficiency improvements
• Emergency home improvement

Unlike the low-income grants, there are no age restrictions as to who can apply for one of these home improvement grants, other than the fact that you must be 18 or older and a U.S. citizen. Whether you are making improvements to enjoy yourself or looking for a return on investment, when applying for a grant you decide how much money you need for your project.

If it meets the government agency's criteria, you'll receive your grant. Unlike banks, most of these programs will not require credit checks or balk if you have filed for bankruptcy. Security deposits and co-signers are not needed. Grants offer you, as a taxpayer, the freedom to receive the money you need to accomplish the work you want to do on your house.

One last home improvement grant program worth mentioning is the New Jersey Clean Energy Education & Outreach Grant Program. In today's environmentally conscious climate, these grants are available to residential or small businesses and promote the use of energy-efficient products that reduce energy consumption. So if you plan to replace your heating or cooling system or do some other [Energy Efficient Home Renovation|energy efficient home renovations]], it's worth checking into the clean energy program to see if you qualify for one of their grants.

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