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Financing Your Dreams


A&B Sunrooms and Remodel are committed to helping our customers achieve their home improvement goals. We can offer you a Signature Loan, a Home Equity Line of Credit, Refinancing and even a Construction Loan.

We are now a USDA Home Loan Specialist for Single Family Housing Repair Loans and Grants. Our Home Loan Specialists will assist you in every step of the way, in order for you to get the loan and grant that you need. Here are some common questions regarding the Single-Family Housing Repair Loans and Grants.

What does the program do?
Also known as the Section 504 Home Repair Program, this provides loans to very–low–income homeowners to repair, improve, or modernize their homes or provide grants to elderly very–low–income homeowners to remove health and safety hazards.

Who may apply for this program?
To qualify, you must:

  • Be the homeowner and occupy the house

  • Be unable to obtain affordable credit elsewhere

  • Have a family income below 50% of the area median income

  • For grants, be age 62 or older and not be able to repay a repair loan


What is an eligible area?
Applicants may check their address to determine eligibility online.

How may funds be used?

  • Loans may be used to repair, improve, or modernize homes or to remove health and safety hazards

  • Grants must be used to remove health and safety hazards

How much money can I get?

  • The maximum loan is $20,000

  • The maximum grant is $7,500

  • Loans and grants can be combined for up to $27,500 in assistance

What are the terms of the loan or grant?

  • The loan can be repaid over 20 years

  • The loan interest rate is fixed at 1%

  • Full title service is required for loans of $7,500 or more

  • Grants have a lifetime limit of $7,500

  • Grants must be repaid if the property is sold in less than 3 years

  • If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination


Is there a deadline to apply?

  • Home loans are available year round as long as funding is available

  • Home loan applications are processed in the order they are received

How long does an application take?
Approval times depend on funding availability in your area. Talk to a USDA Home Loan Specialist in your area for help with the application.

Who can answer my questions and how can I get started?
Since A&B Sunrooms and Remodel is a USDA Home Loan Specialist, you can contact us.

What governs this program?

  • The Housing Act of 1949 as amended, 7 CFR Part 3550

  • HB-1-3550 - Direct Single Family Housing Loans and Grants Field Office Handbook

Why does the USDA Rural Development do this?

We want people to stay in their own home and help keep their home in good shape. Homeownership helps families and individuals build savings over time. It also strengthens communities and helps many kinds of businesses support the local economy.

So if you are ready to take the next step in financing your home improvement project, please call 570-824-1960 or email, to discuss what are your finance options.

NOTE: Because citations and other information may be subject to change. Please always consult the program instructions listed in the section above titled, “What law governs this program?” You may also want to contact your local office for assistance. You can find additional forms, resources & program information at For a printable version of this fact sheet, click here.

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