Motivative Consulting’s Owner Eddie Ray Jackson is a loan packager for USDA Rural Development’s 504 Repair Grant Program. He can do a complete loan or grant application for you in a matter or minutes. Please read carefully below and see if you would be interested in applying for the program. Here is some information to consider before applying for the repair grant program.

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 percent of the area median income
• For grants, be age 62 or older and not be able to repay a repair loan

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

• Maximum loan is $40,000
• Maximum grant is $10,000
• Loans and grants can be combined for up to $50,000 in assistance

Note: Rural homeowners in Mississippi may be eligible for higher loan or grant amounts under the Single Family Housing Section 504 Repair Pilot Program. Please contact Motivative Consulting, LLC to see how much a eligible application can receive in Mississippi.

• Loans can be repaid over 20 years
• 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 $10,000
• 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

Applications for this program can be done on this site to be turned in to the local USDA Offices in Louisiana and Mississippi year round.

How long does an application take? 

Approval times depend on funding availability in your area. Motivative Consulting, LLC has made it so simple to apply directly from the site.

Why does Motivative Consulting, LLC do this?

Sometimes the application process can be daunting for some individuals and Motivative Consulting, LLC wants to help people stay in their own home. Keeping their home in good repair helps families and their communities stay healthier.  Home ownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.

This benefit provides medically necessary improvements and structural alterations to Veterans/Servicemembers’ primary residence for the following purposes:

• Allowing entrance to or exit from the primary residence
• Use of essential lavatory and sanitary facilities (e.g. roll in showers)
• Allowing accessibility to kitchen or bathroom sinks or counters (e.g. lowering counters/sinks)
• Improving entrance paths or driveways in immediate area of the home to facilitate access to the home through construction of permanent ramping
• Improving plumbing or electrical systems made necessary due to installation of home medical equipment

HISA will not pay for:

• Walkways to exterior buildings
• Spa, hot tub, or Jacuzzi
• Exterior decking
• New construction

HISA Benefit Amounts

Lifetime benefit for Veterans and Servicemembers.

$6,800 will be approved to:

• Address a service-connected disability
• Address a compensable disability treated “as if” is a service-connected disability and for which the Veteran entitled to medical services under 38 USC 1710(a)(2)(c) (e.g., disability acquired through treatment or vocational rehabilitation provided by VA)
• Address a non-service- connected disability, if the beneficiary has a service-connected disability rated at least 50 percent disability (no combining or combination of disability percentages is allowed).

$2,000 will be approved to:

• Address a disability that is not covered above

Note: All HISA projects must be medically justified for the service connected disability and/or non-service connected disability. Please contact your local Prosthetic and Sensory Aids Service to determine your available lifetime HISA benefits.  VHA Directive 1173.14(1) - Home Improvements and Structural Alterations (HISA) Program

What does HISA exclude?

Some excluded HISA structural alterations are exterior decking; purchase or installation of spa/ hot tubs/ Jacuzzi type tubs; home security systems; removable equipment or appliances such as portable ramps; porch lifts, and stair glides; and routine repairs as part of regular home maintenance like replacements of roofs, furnaces, or air conditioners.

Additional Information

• Use the Facility Locator to contact the local Prosthetic and Sensory Aids Service near you for individual inquiries and eligibility information.
• Learn more about VBA's Specially Adapted Housing (SAH) grant and the Special Housing Adaptation (SHA) grant.

When applying for the HISA benefit, a completed HISA application package must include the following:

(1) A prescription written or approved by a VA physician which includes:

(a) The beneficiary’s name, address and telephone number;(b) A description of the prescribed project, including the area of the home to be improved or structurally altered; type of modification and all alternatives to the modifications; and items requiring installation.
(c) The diagnosis and medical justification for the prescribed improvement or structural alteration. The medical justification should demonstrate the project’s clinical appropriateness, that is, the beneficiary’s clinical needs should support the type of home improvement or structural alterations being prescribed.

(2) A completed and signed  VA Form 10-0103, VETERANS APPLICATION FOR ASSISTANCE In Acquiring Home Improvement and Structural Alterations

• If applying for an advanced payment, request on application

(3) FOR RENTERS: A signed and notarized statement from the owner authorizing the improvement or structural alteration

(4) A written itemized estimate of costs for labor, materials, permits, and inspections for the home improvement and structural alteration

(5) A color photograph of the unimproved area

NOTE: An inspection of the site by VA may be warranted.