My home is payed off.Can I still apply for a hud/fha loan to pay debt and get home repairs done.

If your home is paid off, there is no reason to get a FHA Loan. Figure out what you need and get either a conventional mortgage or a Home Equity Line of Credit.

There are many programs designed to help you achieve your goals. Various factors to consider are income, credit, equity, the condition of the house, the improvements needed etc. I would suggest you call a mortgage originator to discuss your best options. I am happy to help if you are interested, simply email cgee@perennialfunding.com or call me at 610-233-0098. Best of luck to you! Corey GeeNMLS 247954