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There still seems to be a question about your income and eligibility. We were told by caseworker income does not play a role in determining eligibility and that it is only needed for reporting to HUD. The five year lien is no rumor. Now I don't know if it requires you to live there or just own it for the five years. It is supposed to be removed five years after you receive the last of any grant money. As far as what they will do, the caseworker said basically they have a cost figure already in place that they will pay up to for certain items/services. They are not going to build your mansion in the sky. They will help get your home "habitable" nothing more. Any luxury items even if there before storm are your responsibility and you will have to put money in escrow for all luxury items before work begins if they are paying bill. If they are reimbursing all the work needs to be finished before they will even look at application which will be placed on hold and probably to back of line as well. And again they have a figure of what they will pay for certain things and that is the max you can get for reimbursement or for having them assign and pay contractor. If something costs you more then they say it should it’s on your dime if they are reimbursing.