Wouldn't it be wonderful to renovate your home and let someone else pay for it? In many circumstances you can do just that! There are dozens of programs available today through local agencies, state governments and the federal housing authority that allow homeowners of every economic status and area of the country to apply for grants and/or financial aid packages to help pay for personal renovations and remodeling on your private home.

Some agencies limit their funding for projects in specific areas of interest such as the revitalization of certain geographic areas; historic preservation; handicapped accessibility; low-income housing renovation; etc. Others offer funding to homeowners who own homes built before a certain year; located in a specific neighborhood or that may require a specific type of renovation such as insulation; roofing; electric; plumbing;' siding; etc. The key to finding funds for your specific home remodeling project is to locate the agency or organization that offers similar grant programs.

For instance, if you are interested in making your home more energy efficient consider contacting your local utility companies; "green" organizations or state housing authority t inquire about any funding programs they may offer.

Interested in purchasing an historic home, but not sure you're wallet is ready to handle such an expensive revitalization project? Talk to your local and state historic commissions and revitalization agencies for help. Many offer grants to historic property homeowners to bring these historic homes back to their previous grandeur.

It's not uncommon today for many homeowners to need to make their existing property accessible to an older family member who has become disabled and no longer capable of caring for themselves alone. Grants are available by many disability and older American organizations and agencies to remodel current bathrooms; add sufficient ramps and so on in existing homes.

Who's eligible for these types of home remodeling grants? Virtually any American citizen who is 18 years or older and either owns or rents their home and meets a funder's specific grant requirements. I usually requires filling out a short questionnaire to determine eligibility, followed an official assessment of your needs and request.

Depending on the agency that's offering the grant, and the amount being requested, you may be required to submit a detailed plan of your project including a substantiated budget and a variety of personal financial information including current pay stubs and federal income tax returns for the last one to three years. The entire process can take anywhere form a few weeks to a year or more.