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Manufactured Home Grants & Loans for Low Income Earners

Mobile and manufactured homes give people on a low income, like single mothers, a chance to have their own home without the massive price tag of traditional style houses.

Mobile homes are often as large as a normal single level house, but come with lower maintenance and of course, a lower upfront cost.

mobile homes

But despite their more affordable price, buying a manufactured home is still often out of reach for the average single parent or low income earner, as well as those who are currently studying.

The U.S. Department of Housing and Urban Development has a program available called the Financing Manufactured (Mobile) Homes.

The Federal Housing Administration (FHA) has an approved set of lenders who are insured to provide loans to people who are on a low income and who wish to purchase a mobile home and/or a lot for a manufactured home.

Do you still need a good credit history to get these loans?

Yes, your credit history will be looked at as part of the approval process, as will your financial circumstances.

Just like any loan, the lender will want to know that you will be able to make the repayments on your mobile home.

Usually a loan like this will run for 20 years with a fixed interest rate, so you can plan ahead.

There are limits to how much you can borrow under this special program. For a single manufactured house, the maximum loan amount is currently $69,678, while if you are wanting to buy a home and lot, the upper limit is $92,904.

HUD.gov provides more information about the manufactured home loan process.

If you already have a home, but it is in desperate need of upgrade or repair, there are grants and loans available specifically for that purpose for low income households.

Known as the Section 504 Home Repair program, this is available as a grant to people aged 62 years and older who can not afford a repair loan or to fix potential safety hazards that are in need or urgent repair.

Apply For Obama’s ‘Moms Return To School’ Scholarship

Obama’s ‘Moms Return To School’ grant (or scholarship) is officially known as the Pell Grant.

It has been around for a long time now, but President Obama is really the first President for a while to actually focus on it and make it a priority for people to be aware that they can get this money; especially those who need it the most, like single mothers and women who want to go back to school.

Why get the Pell Grant or other financial aid for school? The Pell Grant could get you around $5000 to put towards your education.

Moms will benefit considerably from having this money to put towards education. And the best part is that you never have to repay it.



Paying for college is hard work. Being a mom myself, I took that leap and decided to go back to school (and I’m so glad I did!) but I could not have done it without some financial assistance.

Do You Qualify for Obama’s Moms Return to School Grant?

Some of the organizations that facilitate obtaining scholarships or grants for paying the college came up with a scheme that tricks single moms. The advertising scam makes use of the reputation of the Obama administration to convince you to register on the websites of these organizations. After registering, you need to pay a fee to gain access to the “valuable” information.

With a little bit of research, you will find out that this information is available for free on the Free Application for Federal Student Aid (FAFSA) website. In other words, it means that by paying a fee to register on scam websites, you gain access to government grants which are free.

After checking out the FAFSA criteria, you will know for sure if you qualify for the Pell Grant and other government financial aid for students.

You need to submit your FAFSA and you will get the chance to apply for several governmental financial aid programs, among which the Pell Grant is the most popular and well known.

Select the college that you wish to attend and check the criteria that you need to meet for being eligible to apply for a particular grant.

Most federal student aid scholarships won’t cover your entire tuition fees. If the college fees exceed the amount you can receive from the Pell and other grants, you may have to search for additional financial help such as private scholarships through universities and community organizations.

The fact that you may be a single mom will certainly help you obtain the grants, scholarships or loans as they are aimed at people in the most financial need.

The Department of Education encourages you to continue your education as an adult and certainly encourages you to apply for the all the federal student financial aid that you are eligible for.

Alternatives to the Obama Moms Return to School Grant

Whilst the President is doing a good job of encouraging and helping moms like us to return to school, not everyone will be eligible for the grant and not all eligible moms will get it – there are just too many applicants.

That is why you must look around for other scholarships that will deliver the money you need for school. Use it for your tuition fees, books, computer software or any other expense: as long as you use it to change your life for the better!




Scholarships For Moms With Special Needs Children

Special needs children place extra strain on mothers who want to go back to school

If you have a special needs child, you face challenges that are even greater than many other single mothers and women who want to go back to school.

Having enough time to care for your child’s needs, plus finding the time you need to devote to your studies is what stops so many women in this situation from not following their dream to go to college, get qualified, and move into a well paying, successful career.

So are there any specific grants and scholarships out there for women in your situation, with one or more special needs children? The truth is, you can and should apply for every scholarship that you’re eligible for.

Most scholarships provide the one thing we all need most for our college education: money.

The more money you can gain from one or more scholarship programs, the more you’ll be able to put towards care of your child. Even if you’re studying via distance education or online, having reliable care for your child will free up more time for you to focus on getting great grades.

Every quality scholarship will allow you to use the money for child care and related expenses – these are the programs you need to apply for if you have a special needs child to consider as you embark on your college education as a mother.

As always, your first port of call should be with the Pell Grant from the Federal Government.

2017-2018 FAFSA Changes – What You Need To Know

There are some changes to the FAFSA application process this year which you should know about.

Submitting your FAFSA is of course the first step in applying for Federal financial aid for your studies, including the Pell Grant. Read more…

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