Disability Grants To Help COPD Disabled Senior With Home Repairs
by Nancy Porter
(Tryon, OK, USA)
I am 61 years old and I have several health issues that caused me to become disabled six years ago.
I have COPD, degenerative disease of the spine, and permanent nerve damage in both lower legs due to a severe B12 deficiency that was overlooked by nine doctors that I saw here in Oklahoma.
This is just to mention a few of my major health issues, which lead to me being on SSI Disability.
Two years ago I applied for a loan with the USDA Department of Rural Housing for home repairs I needed badly and still do.
We need a new roof, replacement of subfloors in bath and kitchen, eaves on the back roof we already rebuilt and winterization of our home. We also need money to fix the hole in our bedroom ceiling. In all I needed to borrow about $7500 to get it all done.
My home is all paid for and it is valued at $35,900, so I didn't think $7500 was an outrageous amount to ask for. Our home's equity would more than cover any loan.
I can't remember the title for this act, but I do remember the red tape, phone call after phone call, application, letters, e-mails and "letdowns."
I had explained To a USDA representative BEFORE I applied for help with a housing loan that I had "poor credit" due to my disabilities and inactivity prior to applying for this loan. In the end I was denied due to poor credit.
Well I can't tell you how upset I was and how I truly feel that these housing repair loans for the elderly and disabled are "a hole in one - sham." Very few individuals would really qualify anyways.
First of all, I am disabled. Inactivity and inability to work for the three years of struggle it took me to get my SSI caused my credit to be ruined. "I had no income. . " while I waited for my disability hearing.
Second, very few people below the federal poverty guidelines (that is who these loans and grants are designed for) have very good credit to qualify and if they did, they would go to a bank, as I probably would of have.
We are 200% below the federal poverty guidelines, and I might as well be 600% below or dead because I would never be eligible for this loan. So I now get to watch my home I love rot. And I stress I will die before I ever qualify for help.
Is there any agency that can help with repairs or materials? We will do the work ourselves if need be, but we need cash for the boards. Thanks for listening.