You know you need financial help in finding a home, but you don't know where to start? Searching for goverment grants for single mothers, will turn up page after page of what looks very promising, but are they just trying to sell you a bill of goods? Most websites that promise to help you find a government grants are really just looking for your bank account number or personal information.

To decide what is legitimate and what is not, consider these points:

You have to apply. Avoid websites or individuals who offer you a grant for "free" just by giving them the information they require. You must be the one to take the initiative when it comes to obtaining government grants for homes for single moms -- no one will bring those grants to you! If it looks too good to be true, it is.

Grants are given for specific amounts. Let's say you need a down payment to purchase a home. Places like Ameridream or U.S. Department of Housing and Urban Development (HUD) can help you with this, but again, paperwork is required. If someone offers you $10,000 for the purchase of a home, completely out of the blue, that's a big red flag! How do they know how much money you need? Why are they assuming what you should have? A legitimate government grant agency will look over your paperwork with you and help you make a decision.

Grants are not as common as loans. Sometimes grants are offered that will get your foot in the door, so to speak, but most financial assistance will come in the form of low-interest or no-interest loans. Don't expect a very large amount of money in the form of a grant. You might get a bit to help pay your move-in expenses or your down payment, but anything further than that will probably be given in the form of a loan that you eventually have to pay back.

Government websites are best. When you're serious about looking for a government grant, go to a governmental organization to find it. Places like HUD will be able to point you in the right direction. There are also grants offered for minority groups, people with disabilities, and other specific needs. Grants change from year to year and some of them expire quickly, so do your research!

Government grants for homes for single moms are out there. Do thorough research, avoid the scammers, never give out information unless it is to a legitimate agency that can prove itself, and most importantly, don't give up! The search can be daunting, but the rewards are worth it.

Denise Bergeron writes articles for single moms in need of financial help and advice. You can visit her site at for additional information on education, career, home matters, relationships and education.