Friday, November 25, 2011

Are there any grants available for low-income couples about to have a baby?

We have a mortgage that for the first time has become extremely difficult to pay. We don't want to continue getting personal loans from family. We've never been in this situation before and are expecting our first baby in August. Don't know what to do.Are there any grants available for low-income couples about to have a baby?
I am guessing that you are in the U.S. If so, check your city and county websites. Because of the mortgage/foreclosure mess, there are a number of programs being offered in various cities to help people in your situation.





If the city and county websites don't show any information, try an internet search using your city name and terms like ';foreclosure assistance'; or ';foreclosure counseling'; or ';mortgage assistance';. Even if you are not facing foreclosure, you should still look into everything available.





Good luck to you and your growing family!Are there any grants available for low-income couples about to have a baby?
if there are they would be listed in a book by this guy named Lesko(sp?) check with library to see if the have a copy
UK has a maternity grant, but not the US





There are no grants for having babies in the US. There are also no grants for paying bills, no grants for paying off credit cards, no grants for getting out of debt.





Grants are free, but it means OBLIGATION. You will be obligated to do as the grant sets out to do. Grants have objectives, and your purpose must fit the objective of the grant.





For one, you have to write the grant application and the grant application is not a simple document - you have to explain how your purpose for applying for the grant fits well with the objectives set out by the grant.





There is a stringent review process through a committee. You will compete with other applicants for the grant money, and this grant review committee will evaluate the merits of each proposal. Only those that they feel exemplifies the objective of the grant will be approved.





You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.





Even if you buy books on ';how to get grants'; or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.





Note though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.





Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs

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