I have had organizations offer to help me fix my home until they see that I have a co-borrow that will not help with this.

Whether private or government, assistance programs for the needy are given out based on the income and assets of the family who needs assistance. They are limited by their governing rules and guidelines to only help needy people/families who meet certain maximum income and asset levels. Not much info was given but my guess is that you and your co-borrower make too much money to qualify for the assistance program. Since you and your co-borrower purchased the home together, the assistance program is required to qualify you TOGETHER with your co-borrower to meet their guidelines for need.You may think they are NOT helping your co-borrower, only you, but that is not true. Since the co-borrower is an owner, their continued ownership is a benefit to them. You would otherwise be forced to sell the property and use your part of the profits to help yourself. PRO TIP: You should check into what if the co-borrower released their ownership rights. That could allow the assistance program to ignore the co-borrower, if they were NOT owners and YOU have been making your own payments.Good luck!- OneRay.com

If you both work why not refinance into a renovation loan which lenders are doing.I don't know your whole story but check into it.If you want to give me a call, I can further assistant you in what direction to go.Regards,SusanPhone: 650-352-5656

More information needed, but almost all of those programs are income based. So income of all owners would usually be considered.