Exemptions For Disabled Veterans Loans

By Leslie Ball


Service members and vets with total service connected or permanent disabilities are provided with grants to ensure that their homes are adapted to their physical conditions. The exemptions on disabled veterans loans cover such aspects as the purchase or construction of an adapted home as well as modification of the existing house. There are two categories of grants available to vets, each with unique conditions.

The Specially Adapted Housing grant is aimed at assisting in elimination of barriers where the disabled veteran lives. It ensures that the persons with disabilities enjoy considerable independence in their living environment. The grant may be provided for construction of a house that will take to account the needs of a vet with disability.

A veteran with disability and has a piece of land where he can construct a house with unique features to fit his condition can apply for SAH grant. The scheme will apparently provide more money for the house considering that the land is already available. The money would be sufficient for greater modification and unique specifications.

A veteran may apply for a grant to remodel a house and make it suitable based on his condition. The amount in this case is substantially small but still qualifies for full consideration. The grant may also be applied against an unpaid principle if the home was purchased without the consideration of VA disability benefits. This will substantially reduce the amount to be paid over the remaining period of time.

Special Housing Adaptation grant enables home owners to purchase or adapt houses even in cases where they are not the veterans. It is designed to accommodate family members housing disabled Vets. The home owner should show the veteran is a family member who will be housed in the home targeted for purchase. This category allows the buyer to consider a home that is already modified.

SHA and SAH grants can be accessed by veterans with total service connected disability or permanent disability. If the condition is permanent, one may apply for either grant. A distinction exists where the SAH scheme is designed for Vets while the SHA plan accommodates family members housing the vets.

The loss of both legs and arms or their functions qualifies an individual for the loan. A veteran suffering from total blindness and the loss of both legs is considered for the grant. Additionally, loosing the lower legs partially or totally and having residues of injuries or organic disease are conditions considered during exemption.

The loss of a leg and an arm also makes an individual eligible for SAH grant. Severe burns are considered as well as loss or loss of use of lower extremities that would affect balance and propulsion. The latter is only considered in case a solution cannot be found in wheelchairs, canes, crutches and braces.

The exemptions granted under the VA program has been extended to cover those affected by the terrorist attack on September 11th. Those who sustained a high degree of burns to the extent of having respiratory complication are covered. There is a dollar limit to the grant that is available to an individual with only three grant opportunities to a single Veteran.




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