- Miami US-FL
Jorge Guinovart is the owner of J & E Construction, where he negotiates contracts and manages and supervises a team of employees to work on commercial and residential construction projects. One of Jorge Guinovart's areas of expertise is the renovation of low-income housing. Low-income homeowners who cannot afford essential repairs and improvements to their homes and who do not qualify for personal loans or home equity credit may be able to receive help from the government. This help is generally need-based rather than dependent on the applicant's credit worthiness. The U.S. Department of Housing and Urban Development (HUD), the USDA Rural Development, and various state housing authorities offer grants and loans that cover various forms of renovation and home improvement. If a homeowner needs repairs but believes they cannot afford them, a contractor can provide a cost assessment, which is necessary when filling out grant or loan applications. Homeowners can then contact the local HUD office, the state housing authority, or county and city home assistance agencies to see what kind of help can be offered.