Grants and Loans Application Forms ,Instructions and more

On this page you will find detailed and up-to-date information and much more. There are many loans institution, credit unions and banks that require basely the same information for a loan; it is up to you to find the right institution that will match your need for your new or existence business.
More information and resources go to Grants and Loans for Minority

The "No-Holds-Barred", Step-by-Step, Guide To Getting Money Through Grants and Loans



For more information on jobs and resources go to Career Resources. On this page you will find weekly job alerts,Grants and Loans infomation, employment information, career advice and job-seeking tools.

Write Where The Money Is
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Employment, Labor and Training
UNITED STATES DEPARTMENT OF LABOR website
Go to doleta.gov
www.doleta.gov/grants/find_grants.cfm

Agency for International Development
USAID FORWARD - USAID has embarked on an ambitious reform effort, USAID FORWARD, to change the way the Agency does business - with new partnerships, an emphasis on innovation and a relentless focus on results.
Go to usaid.gov

Corporation for National and Community Service
eGrants is the Corporation for National and Community Service’s web-based system for:

Submission and tracking grant applications and concept papers;
On-line grant application peer review
Negotiating and awarding grants and cooperative agreements
Managing grants and cooperative agreements including processing amendments, and continuations
Creating, submitting and editing your recruitment listings
Selecting applicants and searching for applicants
Approving project transportation (V-81) forms (VISTA only)
Financial Status and Progress Reporting
Go to nationalservice.gov

Action Guide to Government Grants, Loans, and Giveaways

Department of Commerce
provides:organizations provide business consulting, procurement matching and financial assistance to minority-owned firms.
Go to commerce.gov

Department of Education
Student loans, forgiveness,Pell grants,Accreditation, schools Grants,No Child Left Behind More.
Go to ed.gov

Department of Housing and Urban Development-hud
HUD awards grants to organizations and groups for a variety of purposes. To participate in the HUD grants program, you need to be registered with Grants.gov.
Go to portal.hud.gov

Department of State
Go to the guide for doing business page for infomation on businesses and loans and grants.
Go to state.gov

The action guide to government grants, loans, and giveaways: A home study course

Department of Labor
The united states of Labor has everything an entrepreneur would need to start his or her business.
Go to state.gov

Department of Veterans Affairs
Inside Business,Small Business Opportunities,Starting a Business,VetBiz.gov and doing Business with Veterans Affairs.
Go to va.gov

National Endowment for the Humanities
Apply for a grant and grant management and more.
Go to neh.gov

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Grants Loans and Subsidies

Where to search for a grant: Federal, State, County and City A Woman's Guide to Career Preparation: Scholarships, Grants, and Loans

Arms of the Federal Government

•Community Development
•Rural Development
•Economic Development
•Housing Finance Agency
•HUD
•USDA

Tools you Need:
NOFA-Notice of Funds Available
Consolidated Plan
Targeted Area Map, Go Zone Map, HUB Zones, Empowerment Zone, Enterprise Zone

State Level Housing & Community Development
Michigan State Housing Development
Authority
735 E. Michigan Ave
PO Box 30044
Lansing, MI 48909
517-373-8370



Housing & Community Development
Detroit Planning & Development Dept
65 Cadillac Square
Suite 2300
Detroit, MI 48226
313-224-1629

The Property Improvement Program

Single family site built home–up to $25,000 Up to 20 years to repay the loan.

 
Landlords
The Property Improvement Program offers low-interest home improvement loans to landlords who want to improve their investment properties. Single-family rental unit –up to $25,000 Multi-family rental units –up to $12,000 per unit. Up to 20 years to repay the loan



Senior Emergency Home Repair
The Senior Emergency Home Repair Program provides for emergency related health and safety home repair assistance for low-income homeowners, 65 years of age or older and/or physically disabled and 55 years of age or older. The maximum Senior Emergency Repair Grant is up to $12,000. Grants are used to correct serious code violations and/or emergency repairs.

 
Minor Home Repair

The program particularly identifies and assists those households with children under six years of age, especially those with an elevated blood lead level (EBLL). The maximum funding is $24,950 per property.

 
Landlord Lead Hazard Reduction
This program is designed to assist landlords, whose tenants include children under six years of age in the household, for the purpose of remediation of lead-based paint hazards in their rental property. The maximum funding is $24,950 per unit.

 
American Dream Down Payment Assistance

Home Buyer Assistance Program
Non-profit community development organizations and/or for-profit corporations may use funding to acquire, rehabilitate and

resell vacant single-family property and under limited circumstances, construct new single family housing. Zero (0) percent low-interest rate loans may be used to make the units affordable to families with incomes at or below 80 percent of the area median.


Down Payment Assistance State Level

The City will finance a portion of the total development costs. Maximum amount of assistance varies with unit size: efficiency units-$45,000; 1 bedroom units-$60,000; 2 bedroom units-$65,000; and 3-4 bedroom units-$75,000.
Go to www.hud.gov/homeprogram for more information.

 
 

Michigan State Housing Development Authority
SBA & Real Estate
CDC/504 Program: Proceeds from 504 loans must be used for fixed asset projects such as:

Purchasing land and improvements, including existing buildings, grading, street improvements, utilities, parking lots and landscaping; construction of new facilities, or modernizing, renovating or converting existing facilities; or purchasing long-term machinery and equipment.
Go to www.michigan.gov/mshda for more information.

 
7(a) Loan Program
•7(a) loan proceeds may be used to establish a new business or to assist in the operation, acquisition or expansion of an existing business. These may include (non-exclusive):
•To purchase land or buildings, to cover new construction as well as expansion or conversion of existing facilities;
•To acquire equipment, machinery, furniture, fixtures, supplies, or materials;
•For long term working capital including the payment of accounts payable and/or for the purchase of inventory;
•To refinance existing business indebtedness which is not already structured with reasonable terms and conditions;
•For short term working capital needs including: seasonal financing, contract performance, construction financing, export production, and for financing against existing inventory and receivable under special conditions; or To purchase an existing business.

7a Loan Amount:
SBA's 7(a) Loan Program has a maximum loan amount of $2 million dollars. SBA's maximum exposure is $1.5 million. Thus, if a business receives an SBA guaranteed loan for $2 million, the maximum guaranty to the under will be $1.5 million or 75 percent.
Go to www.sba.gov for more information.

The Index Directory of Federal Domestic Assistance Programs: The Index Directory of Federal Grants, Loans and Subsidies (First Edition, 2008)

Micro-Loans
The Microloan Program provides very small loans to start-up, newly established, or growing small business concerns. Under this program, SBA makes funds available to nonprofit community based lenders (intermediaries) which, in turn, make loans to eligible borrowers in amounts up to a maximum of $35,000.
The average loan size is about $13,000. Applications are submitted to the local intermediary and all credit decisions are made on the local level.
Go to www.sba.gov for more information.

USDA Rural Development Programs
•Rural Rental Housing Guaranteed Loan Program (Section 538)-This program is intended to fund construction, acquisition, or rehabilitation of rural multifamily housing for low-income occupants.
•Rural Rental Housing Program (Section 515)-This is primarily a direct mortgage program, but its funds may also be used to buy and improve land and to provide necessary facilities such as water and waste disposal systems.
•Home Repair Loan and Grant Program (Section 504)-Home Repair Loan and Grant Program offers loans and grants for renovation
•Loans are for up to 50 years at an effective 1 percent interest rate.
Go to rurdev.usda.gov for more information.

Marshall & Swift
Please visit this website for any cost analysis for your residential & commercial properties.
Go to marshallswift.com for more information.

Guide to Home Repair Grants & Subsidized Loans

The Home Repair & Remodel Cost Guide

Generally, the Voucher holder will pay between 30%-40% of their household income toward rent and the Housing Authority will pay the difference, directly to the property owner each month. Without the participation of willing landlords, families can experience difficulty finding a good place to live.  
Section 8 How 2??

•Buy many cheap houses in decent neighborhoods but don’t buy junk.
•1978 or Older
•Fix the houses up nice
•Hire a property management company
•Go to the local housing authority put the house on the section 8 list
•Have the management co. screen the tenants (credit reports, police reports, go to their existing dwelling & have them provide references)
•Watch the money come in!!!!

 
The Numbers on 9450 English
Oak DriveIndianapolis, IN $38k mort. @ 6.5% & 30yr. Term= $240.19/PI

$513.88 taxes divided by 12 months=

$42.82

Insurance = $40/month

$240.19 + $42.82 + $40 = $323.01/month

Section 8 Pays up to $1061 for a 3bd.

$1061-$323.01 = $737.99 in the pocket before

expense..

ONLY 36,500 DAYS

IF YOU HAPPEN TO LIVE FOR 100 YEARS. YOU WILL HAVE ONLYLIVED 36,500 DAYS. WHAT HAVE YOU DONE FOR YOURSELF LATELY? TIME IS NOT ON YOUR SIDE!!! WHAT WILL YOU LEAVE BEHIND??? TIME IS A DEPRECIATING ASSET…..

If you are interested in applying for a voucher, contact the local PHA. For further assistance, please contact the HUD Office nearest to you to find your Local Public Housing Agency.

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