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Honestly, I was dreading the cost of replacing my roof. It was leaking bad, and every quote I got made me cringe. But then a neighbor mentioned these gov-backed loans that help homeowners with repairs and improvements. I was skeptical at first (you know how it is), but figured why not try? Long story short, got approved pretty quick, interest rate was way lower than expected, and now my roof is brand new without emptying my savings. Curious if anyone else had luck with similar programs?