Special Assistance Programs and Resources
Medicaid and Insurance
A physician can prescribe you walk in showers,tubs ramps, grab bars, lowered countertops and many home modifications related to limited mobility or disability's.
Schedule Today
VA
You have to be in their system (you can register anytime but must have an honorable discharge) and must own their home
Either person, or the VA themselves, can get grant paperwork started. VFW also helps with building and cleanup if needed, as they love to help serve other veterans in need. Veterans can also talk to their primary care provider and ask for help. They can prescribe things they need such as walk in shower, grab bar, toilet seat riser, wheelchair ramp, etc. These things will come from their physical therapy or prosthetics dept. They can also have someone such as social worker, physical therapist, or home based primary care provider. You can request a home based primary care provider thru the VA - VA.gov
Crosswalk
Serves Jefferson and Franklin counties
They offer grants for housing rehab for low income people, but you have to call on each case and ask if they have grants available in that specific town at that time. It also runs on a point system and they prioritize cases by who needs it worst.
Tammy Campbell at Crawford and Associates handles williamson county and a more wide range (such as Christopher area and more rural areas) the client would call her at 618-985-6370 and ask about funding
crosswalkcaa.com
DRS
Must be under the age of 60 with disabilities
- Offers funding for services that will keep people in their home to avoid moving to a nursing facility due to their disabilities
- Referral must be submitted to see if they qualify, submit at Dhs.state.il.us
- Scroll down to middle of page and select "rehabilitation"
- Scroll down again to "contact us" and click "apply online"
IlCIS
Statefunded program. Has more exceptions than many other orginizations. Wait time usually exceeds 1 year
Additional Programs
USDA Rural Development Section 504
Offers loans for home repair and improvement and offers grants to elderly, very low income homeowners to remove health and safety hazards. Application found on their website or in person at local USDA offices rd.usda.gov
USDA rural development in Marion also gives grants to people 62 and older
HUD (Department of Housing and Urban Development)
Offers title 1 and title 203k loans and grants to help repair and renovate homes for low income eligible residents in Illinois.
Application at local HUD office, they will tell you which grants or loans are available in our area
IHDA (Illinois Housing Development Authority)
Offers programs like the Home Repair and Accessibility Program (HRAP) and the Home Accessibility Program (HAP) Provides grants and forgivable loans for health and safety repairs, home modifications, and accessibility improvements for low income and disabled people. Eligibility varies by income, must be low income, must own your home, must be addressing health, safety, or accessibility issues. Find HRAP and HAP grantee organizations on IHDA website and get application from them. HAFHR (Illinois Homeowner Assistance Fund) (also managed by IHDA) IHDA.org. Provides grants for critical home repairs to homeowners who experienced financial hardship due to Covid19.
IHWAP (Illinois Home Weatherization Assistance Program)
Offers funding for low income people to make their homes more energy efficient and can include health and safety upgrades.
Income must be at or below 200% of federal poverty level. Can include insulation, air sealing, and HVAC or water heater repair or replacement
Ameron regularly offers incentives for energy efficiency updates through the year.
Legence Bank (Marion, Benton)
Offers construction loans and personal loans
Fifth Third Bank (Marion)
Offers home equity loans, personal loans, construction loans
First Financial Bank (Benton)
Out of office, requested callback
First Southern Bank (Marion, Herrin, Carterville)
Offers construction loans, collateral based
First Mid Bank & Trust (Marion & Carterville)
Offers personal loans that may be used for remodeling and construction
First Southern Bank (Marion, Herrin, Carterville)
Offers home equity loans and construction loans, collateral based
Southern Illinois Bank (JC main loan location)
Offers construction loans, must own your property, must pay 20% down
Bank of Herrin (Herrin)
Offers construction loans, collateral based
Southern Trust Bank (Marion & Goreville)
Loan agent in another call, requested callback
Murphy-Wall State Bank & Trust (Marion & Carterville)
Lending department in meeting, requested callback
Farmers State Bank (Marion)
Cindy Throgmorton handles these & is out of office til tomorrow, requested callback
SIU Credit Union (Marion, Energy, Carbondale)
Offers collateralized, personal that may be used as remodeling/construction, and construction loans