Low & Moderate Income Housing

MACOMB COUNTY LOW & MODERATE INCOME HOUSING

For housing lists on Adult Foster Care, Assisted Living, Nursing Homes, Respite, & more, contact Sue Meyers, Information & Referral Specialist at the Dept of Senior Services, at 586-469-7977. Search for (or enter listings for) housing at http://www.michiganhousinglocator.com Call 211 for any medical or human service need.

UTILITIES NUMBER SPECIAL APPROX INCLUDED OF SENIORS CONSIDERATIONS NAME/ADDRESS/PHONE UNITS WAITING PRICES PETS PERSONS ONLY? FOR DISABILITIES TIME ALLOWED ALLOWED & COMMENTS Apple Valley Townhouses 198 1b 3 years $630, 715 water 2 per 64 units Some market rents, 231 Apple Blossom Way 120 2b 10 mos $810 or bedroom for section 8s, & tax Romeo, MI 48065 are 3 br 2-3 30% of seniors credits 586-752-4166 sectio yrs income none (62+) good credit req’d n 8 (no bankruptcy/crim ck Autumn Ridge 250 Srs:1 yr 30% of water 2 per there is a several barrier free 36300 Dequindre 2 bd 5yrs adjusted (heat bedroom seniors units Sterling Heights 3 bd 7-10 gross provided only 586-978-7378 yrs income for seniors tower only) no pets Autumn Woods 286 1 br8 yrs 30% of water 2 per apply by Townhouses 2 br 1 yr adjusted bedroom appointment only. 44401 Bridal Lane 3 br 10 gross Credit checks & Sterling Heights, 48313 yrs income none criminal reference 586-731-8600 not taking checks are done apps Brittany Park Apts 414 $570-590- heat, water 2 persons 1st month’s rent + 35255 Brittany Pk Dr 2+ years $635 per security @ mos rent Harrison Township 1 & 2 bedroom to move in 586-792-2900 bedrooms cats only only Clemens Tower 288 1-6 30% of for seniors 2 per 96 units some units 50 Church St. months adjusted all included bedroom are for accessible Mt. Clemens for seniors gross small seniors 586-468-1434 closed for income petsOK (62+) others+ Clinton Twp Housing 100 Srs: About 30% of seniors: all 2 per 56 are 44 units are for 34947 Village Rd 1-1/2 adjusted others: bedroom for families Clinton Twp years gross water & seniors 586-791-7000 2 ½ yrs income appliances age 62+ for fam 2 bedrm Clinton Place Apts 283 Seniors: 1 30% of water & 2 per 200 are Under 62 & families: 147 N. River Rd bd 1-6 adjusted appliances bedroom for 1-10 years. A pre- Mt. Clemens mos gross pets in seniors application is 586-468-8415 Seniors: 2 income high rise & required bd 6-12 only disabled mos Clinton Rivers Apts 32 1 br -$525 water, a/c no set limit 220 Shadyside Drive no wait 2 br - Mt. Clemens list $650 586-465-3550 subsidized none w voucher only Continental Communities 180 None 2 for 1 Must be employed 3127 Maple No $400-1b bedr for 6 mos—deposit Warren, MI waiting $475-2b Dogs up to 3 for 2 = 1st mos rent--most 586-757-7412 20lbs or bedr are 1 bdrm units not cats for families Eastpointe Apts 232 1b: 2-3 30% of heat, 4 per unit 39616 Chateau Rouge yrs adjusted water, Sterling Heights 2b: 1-2 gross appliances 586-939-4090 yrs income not none acceptng apps til 1/03 Fraser Woods 241 Srs<6 30% of water 211 units 30 units are for 17195 Fraser Woods mos adjusted are for families Drive 2 b: 1 ½ gross small pets seniors 12 unit handicapper Fraser yrs income for seniors 62 & accessible 586-294-3952 3 b: over closed Lawrence Park 128 62+ 1-3 30% of water Families 2 bed = 2 7000 10 Mile Rd 2beds mos adjusted to 3 year waiting list Center Line & disabled= gross Families 3 bed = 586-757-0502 3beds 1.5 to 2 income no pets closed yrs The Meadows 124 About 1 ½ 30% of none 2 per some handicapped 31860 Nardelli Lane years for adjusted bedroom accessible units Roseville a 2 bed gross 586-296-3622 unit income none Memphis Manor 32 423-623 All except 2 for 30% subsidies for 80521 & 80585 for 1 electric disabled 12 units are rotated Henderson bedroom to the lowest Memphis, MI 48041 423-684 income tenants 810-392-2215 for 2 when available bedrooms Motor City Trailer Park 60 No wait $395-1 Water 2 for 1 $20 credit check, 23765 Lawrence for 1 $450-470- bedr plus security at 1 Warren, MI bedroom 2 No pets in 4 for 2 times monthly rent 586-756-8280 2 bed: 1 rentals bedr or 1 ½ if bad credit mo Newport Apts 328 1b: 3-6 30% of heat, water 2 per handicapped 24213 Lotus Ct mos adjusted bedroom welcome Mt. Clemens 2b:3-6 gross 586-469-0010 mos income none 3b & 4b: 1 year and up Perry Acres Apts 24 1 year or 30% of No 2 per Credit report 32560 James Curtin longer adjusted bedroom required New Haven, MI gross 586-749-9268 income No Pinewoods 89 1B 9-12 30% of Water 2 per 31 units for 30100 John Rivers Drive mos 2B adjusted Dogs up to bedroom senior/disabled New Haven, MI 48048 12 mos gross 25 lbs, 58 townhouses with 586-749-6570 3B 8-12 income $300 2-3 bedrooms mos security- pets Shadylane Mobile Homes 70 $368-1b Water & 1 bed: 2 $1003 fee for 2709 Capitol No wait $388-2b sewer adults, security, cleaning, & Warren, MI 2 bed: 3 processing 586-757-8448 must have $1000 monthly income for 1 yr Willow Point Mobile 2 $500-750 None Rent to own Homes No wait contract runs for 4 43400 Lenfesty list years Harrison Twp, MI Downpayment is 586-465-0424 $600 security + $400 1st mo Woodview Mobile Village 60 1 to 1 ½ 1b: 400- Pets for 2 per One unit has a ramp 7062 Ready months 450 seniors bedroom Must have 6 mos of Warren, MI 2b: 450- (must be employment or 586-754-6865 500 under 10 steady income lbs) SENIORS & DISABLED Ahepa 371 80 30% of heat, 2 max seniors handicapped 26700 Crocker 1 yr adjusted lights, only accessible Mt. Clemens gross water 62 & 2-3 years wait for 586-465-4540 income if under 30 over handicapped pounds American House 26 1b 384- Heat & seniors some units Lakeside 2 7 years 646 water only 55 accessible 15821 19 Mile Rd 2b 460- & over Clinton Township 775 Cats & 586-228-8889 dogs up to 30lbs Autumn Ridge 250 Srs:1 ½- 30% of water 2 per there is a several barrier free 36300 Dequindre 2yr adjusted (heat bedroom seniors units Sterling Heights 2 bd 2- gross provided only 586-978-7378 5yrs income for seniors tower 3 bd 5 yrs only) closed no pets now Belle River Court 24 No wait $363 to Heat and No Seniors Rural development 81393 Belle River Rd time $528 water children, only and City of Memphis Memphis, MI 48041 all 1 62+ partial subsidized 810-392-3274 bedroom apts, 2 persons max Bramblewood Sr Apts 32 1 year 30% of Gas seniors Credit report 31950 Clark adjusted 62+ & required New Haven, MI gross disabled 586-749-9268 income Yes only Center Line Park 300 1b 6-8 30% of heat, 1 bdrm - 2 seniors handicapped 8033 E. 10 Mile Rd mos adjusted lights, 2 bdrm - 4 62+ & accessible Center Line 2b 4-6 gross water disabled 586-755-2270 mos income cats & only dogs up to 25lbs Church of Christ Housing 52 30% of water seniors 5 handicapped units 23559 15 Mile Rd. 5 years adjusted only available for the Clinton Township gross 62 & mobility impaired 586-792-6441 income pets over no one under 50 allowed Clemens Tower 288 1 bd 6 30% of for seniors 2 per 94 units some units 50 Church St. mos adjusted all included bedroom are for accessible for Mt. Clemens 48043 gross small pet seniors handicapped 586-468-1434 income deposits (62+) req’d Clinton Twp Housing 100 Srs: About 30% of seniors: all 2 per 56 are 44 units are for 34947 Village Rd 1-1/2 adjusted others: bedroom for families Clinton Twp years gross water & seniors 586-791-7000 2 ½ yrs income appliances (62+) for fam 2 bedrm Clinton Place Apts 283 Srs: 1-6 30% of water & 2 per 200 are 147 N. River Rd mos adjusted appliances bedroom for Mt. Clemens 1-2 years gross pets in seniors 586-468-8415 for 2 income high rise & bedroom only disabled Dunn Sr Citizens 108 studios: 30% of heat, studio -- 1 seniors 2 stories, has an Residence 3-6 adjusted water, 62+ elevator 8400 Engleman months gross lights, 1 bdrm --2 no barrier free units Center Line 1 bdrm: income appliances now only seniors 586-756-3322 2 years Eastland Senior Apts 134 3-6 mos, 30% of heat, 1 per seniors a few accessible 18330 Eastland resident adjusted lights, bedroom only Roseville residents Roseville preferenc gross water, 62 & preference 586-778-1360 e income appliances over yes Elizabeth Lee Doles 100 No 30% of heat, 1 per seniors Must be physically 42700 Colchester waiting adjusted lights, bedroom 62+ & disabled and require Clinton Township list gross water disabled special apt features 586-463-0500 for seniors income only —1 yr waiting for pets disabled allowed Errin Manor 2 3-6 mos, 30% of heat, seniors 15701 E. Nine Mile bldgs preferenc adjusted lights, 62+ & Eastpointe 101 & e if you gross water disabled 586-445-5099 64 live or income only work in cats & Epte. birds Fraser Woods 241 Srs<6 30% of water 211 30 units are for 17195 Fraser Woods mos adjusted units families Drive 2 b: 1 ½ gross small pets are for 12 unit handicapper Fraser yrs income for seniors seniors accessible 586-294-3952 townhous 62 & es list over closed Grant Manor Apts 117 $530-615 water 2 per seniors elevator for 2nd & 9 Mile & Donald St. 1 month 1 bedrm no dogs. bedroom only 3rd floor/will accept Eastpointe cats & 55 & section 8 vouchers/ 586-771-3374 birds are over -0- deposit with allowed good credit Joseph Coach 264 1 br -$465 none 1 bdrm--2 seniors bldg has air 26600 Burg 4-5 mos 2 br -$510 2 bdrm--2 only conditioning Warren age 55+ 586-758-1310 Lakeside Towers 115 1 br 1-2 30% of heat, 1 or 2 seniors 15000Shoreline Drive yrs adjusted lights, (married only Sterling Heights only 5 2 gross water couples 62 & 586-247-7411 brs, need income only) over Dr’s Rx $10 extra Lawrence Park 124 No wait 30% of Water & tower 11 for handicapped 7000 10 Mile Rd for for seniors adjusted heat for all units are barrier Center Line srs 2 years+ gross seniors free 586-757-0502 for income no pets 62+ & disabled disabled Leisure Manor 212 4 months, 30% of heat, 1 per seniors 1000 Blossom Heath resident adjusted lights, bedroom 62+ & St. Clair Shores preferenc gross water, disabled 586-773-9200 e income appliances only small pets Madonna Villa 86 as $550-- heat, seniors retirement village -- 17825 15 Mile (most available 1155 lights, only must be able to care Clinton Township are no waiting includes 3 water dog 60 & for self. Most meals 586-792-0358 effncy list, 1st meals per or cat up over are included ) come day to 20 lbs w basis fee/dep New Baltimore Place 100 6 mos – 1 30% of heat, 2 seniors Apts yr adjusted lights, 62+ & 51140 Hooker St. disabled: gross water disabled New Baltimore up to 5 income only 586-725-8470 years yes Park Place Tower 187 30% or heat, seniors Annual income can’t 34 Park Street No $378- lights, 2 per only exceed $24,450 Mt. Clemens waiting $486, water bedroom 55 & (single) or $27,950 586-469-6446 whichever over (couple) is greater pet policy Peace Presbyterian 55 30% of heat, water 2 per seniors social and rec areas 17275 15 Mile Rd. One year adjusted pets bedroom only (all apartments are Clinton Township gross allowed 62 & one bedroom and 586-790-4500 income with pet over not suited for deposit families) Pinewoods 89 Sr 9-12 30% of Water 2 per 31 units for 30100 John Rivers Drive mos 2B adjusted bedroom senior/disabled New Haven, MI 48048 12 mos gross 58 townhouses with 586-749-6570 3B 24 income No 2-3 bedrooms mos Rolling Oaks 74 $335 to Heat, 1 seniors Some subsidies 1500 Fruit Road No 563 water 2 if 62+ & available Algonac, MI 48001 waiting married disabled Minumum & 810-794-2440 list Small pets maximum income limits apply Schoenherr Towers 152 1 yr S.H. 30% of Heat Mostly seniors 8 handicapped units 37500 Schoenherr residents, adjusted 1 bedroom 62+ & Sterling Heights, MI 2-2 ½ yrs gross units disabled 48312 for income Small pets 586-264-6410 nonreside nts St. Clair Shores Housing 2 Sr seniors: 30% of seniors will take senior (Houses located bldgs 6 mos adjusted 62+ & applications now throughout the city) 39 section 8: gross disabled section 8 apps only 586-773-9200 home 2 years income accepted s periodically St. George Towers 205 6 mos – 30% of heat, 1 bedroom seniors waiting list for 42250 Hayes Rd. 1yr adjusted lights, units only 62+ & handicapped Clinton Twp (5 years gross water 2 persons disabled 586-286-7212 for income yes, with max only disabled) pet deposit Stilwell Manor 24 Efficiency heat, 1 bdrm--2 Warren elevators in bldg 26600 Burg : 9 mos- Eff: 255 lights, 2 bdrm--2 seniors Warren 91 1yr 1B $345 water only 586-758-1310 6 1B: 5-6 2B $425 age 55+ mos no pets 2B: 1 ½ yrs Tivoli Manor 80 about 30% of heat, water seniors Must be mobility 28103 Imperial Drive 6 months adjusted 62+ impaired if under 62 Warren to 1 year gross 586-558-9860 income Ukranian Village 146 6 mos –1 30% of Heat, seniors 2 story with elevator 26377 Ryan Rd. yr about adjusted water 62+ & Warren 2-5 years gross disabled disabled must be 586-755-7720 for income only mobility impaired disabled small pets Warren Glenn Presb 67 30% of Heat 1 or 2 seniors Income must be Village About 1 adjusted Water persons in 62+ & under 24500 (1)/ 2950 E. Twelve Mile Rd. year gross 1 bed units disabled 27,950 (2) Warren, MI 48092 income Cats only A few units are 586-751-5090 available handicappers COOPERATIVES (A DOWNPAYMENT IS REQUIRED—what is a cooperative? See http://www.coophousing.org/buying_in.shtml ) Carriage House 138 1 br 3-5 1 br water, heat 1 bdrm - 1 *$6870 to $8525 Cooperative yrs, $345* & basic 2 bdrm - 2 equity purchase 45889 Kensington 2br 1-3 2br $406* cable 3 bdrm - 4 required—minimum Utica 3br no 3 br income limits apply 586-731-7482 wait $445* no pets (18,000) Cordova Courts Apts 174 6 mos to 30% of heat, 2 per *cooperative equity 34168 Wallace 1 year adjusted water, bedroom $2,805--$3470 due Clinton Twp MI gross appliances at signing—no 586-791-7850 income* cats, birds, financing available fish Eastwick Sq 92 1 br 5 yrs $296* water only 2 per *coop deposit: Townshouses 2 brs 3 $320* bedroom $3,600 - $4,900 27752 Eastwick yrs $331* handicapped first Roseville 3 brs 1-2 yes priority 586-792-8457 years Hanover Grove Coop 520 1b: 1-3 1b:395;2b heat, water no set limit *coop fee: $10- 15750 Sabre Lane mos : 432; 3b- 16,000 Fraser 2b: 3-6- 490 will accept vouchers 586-293-5150 mos or 30% of none 3bd: 1-2 income* yrs James Townhouses Coop 158 heat, water 2 per bdrm *coop members’ 24108 Grange CLOSED blood equity needed: Clinton Township relative or 800-821-8800 spouse Kramer Homes 500 Approx 1 $240* water only 2 per senior *coop deposit + 8830 10 Mile Rd & ½ yrs $245* bedroom oriented improvements: Center Line wait $247* about $7,500 586-757-1240 1 sm pet no handicapped access Lexington Townhouses 330 About 2 $221* heat, water 2 per *coop deposit: 8181 Hettenberger years $305* bedroom $6,000-$8,000 $50 Warren $316* appl fee 586-754-2240 $345* 1 indoor credit, criminal & pet employment checks New England 221 No Wait $335* heat, water 2 per room *coop equity: Townhouses $374* $35,000-70,000 25901 Jeanette $383* application fee $75 Roseville $404* yes market rate 586-778-3740 property Oxford Square Apts 206 1-2 years $332* heat only 2 per *Coop equity 34594 Lipke St. $367* bedroom required: 1b: $914 Mt. Clemens $393 2b: $1114 586-791-3040 30% none 3b: $1516 Roseville Townhouses 155 2-6 years $271 water only 2 per *coop equity 25621 New England (info $301* bedroom required, about Roseville subject to $307* $3,400 to $5300 586-776-6413 change $325* yes 11/05) Townhouse Green Coop 255 1-3 years 1 br-- heat, water 2 per *Coop buy-in: 19286 N. Highlite Dr $315* bedroom 1 bed: $7000 Clinton Township 2 br-- 2 bed: $8100 586-791-8230 $365* cats only 3 bed: $8900 3 br-- $388*

Townhouse Manor 115 1-2 years 1b: $282* water 2 per br *Coop buy-in $6,000 8700 Kaltz 2b: $309* separate to $8,000 Center Line 3b: $316* per buy-in brms req’d 586-754-2240 policy of opp sex children Townhouse Plaza 217 2 years (coop) heat, water *Coop deposit is 19000 Highlite Dr. South 1-$328* $7,000-15,000 Clinton Township 2-$388* 1 bedroom units are 586-791-0370 3-$423* 1 pet senior friendly Village Square 342 1 month $385- Heat, 2 per *Coop deposit is Cooperative $448 water bedroom $5,900-$7,800 plus 45510 Kensington improvements Utica (from $3,0000 – 586-739-7570 Yes $20,000) Yorkshire Plaza 130 1 br--3 yrs $292 heat, water Coop buy-in: approx Twnhouses 2 br:12- $324 $5,000-$7000 20702 Hunt Drive 18m $353 Roseville 3 br-12- none 586-228-1060 18m

TRAILER PARKS: There are 40 trailer courts listed in the east area Yellow Pages under MANUFACTURED HOUSING-COMMUNITIES. Six parks which have rentals are listed in the first section above. Many parks have trailers for sale, some as low as $7,000 or $8,000. The monthly payment and lot rent together may be as low as $400. Some trailer parks will help with financing to purchase a trailer.

HOUSING COMMISSIONS offering public housing: ALGONAC, 1205 St. Clair River Drive 810-794-9369 CLINTON TOWNSHIP,34947 Village Road 586-791-7000 EASTPOINTE, 15701 E. 9 Mile Road 586-445-5099 MT. CLEMENS, 50 Church St. 586-468-1434 NEW HAVEN, 30100 John Rivers Drive 586-749-6570 ROSEVILLE, 18330 Eastland 586-778-1360 ST. CLAIR SHORES, 1000 Blossom Heath 586-773-9200 STERLING HEIGHTS, 40555 Utica Road 586-264-6410

Individual SECTION 8 SUBSIDIES (not restricted to one location): The Macomb list is expected to be closed to new applictions at least until 2010. If you submitted an application at the last open enrollment and want to find out the status or report a change in address, you can call 586-466-5863. For general information about Section 8, call 313-456-3540. Current and future recipients of a section 8 subsidy should ask about the Family Self Sufficiency program: MSHDA will credit an escrow account with approximately the amount that the subsidy decreases due to an increase in the family’s earned income. Some Housing Commissions listed above also have Section 8 vouchers available via periodic open enrollments. To report a change of address/contact information for a homeless section 8 voucher application, call Shinan (formerly Derocha Associates) at 586-468-1775.

NURSING HOMES: To obtain a list of the nursing homes in Macomb, call Citizens for Better Care (CBC) at 1-800-833-9548 or consult the Yellow Pages

CREDIT PROBLEMS: Call GreenPath at 800-547-5005. You should not be charged more than $9.00 for a credit report (available free if you are on assistance), and you should receive a copy. You are now entitled to one free credit report every 12 months from Equifax, Experian, and TransUnion by phone, mail, or at http://www.annualcreditreport.com

ASSISTED LIVING & RETIREMENT COMMUNITIES: Consult the yellow pages, or call 248-350-0730 to have a free copy of SENIOR ALTERNATIVES FOR LIVING GUIDE mailed to you. This guide contains information and resources for seniors. HOMELESS HOTLINE: 800-A-SHELTER (800-274-3583) will assist callers to secure a bed in a shelter the same night. Within Detroit, will pick up callers and transport them to a shelter that night. HOME PURCHASE RESOURCES (and rehab programs) MSHDA DOWN 800-327-9158 Eligible individuals may receive a loan of up to $7,500 for PAYMENT 517-373-6840 down payment assistance and up to $8,500 for households ASSISTANCE MSHDA with an Individual Development Account (IDA) on (1% Down) MSHDA/Conventional or MSHDA/ FHA-insured first mortgages. The deferred loan has zero-interest and no monthly payments.  The loan may be used toward the minimum cash requirements needed to close, including the down payment required, closing costs, and prepaid expenses.  The maximum purchase price is $182,100 to 209,400 depending on property location  Borrowers must complete a LINKS to Homeownership course.  Borrower's minimum contribution must be at least 1% of the sales price.  Borrowers must have no more than $5,000 in liquid assets.  Borrower's household income must not exceed the limits for this program. (Income limits are $39,150 for 1, $44,750 for 2, $50,350 for 3, and $55,900 for 4) These second mortgage loans are MSHDA funded. This program is available through the Single Family Mortgage Program. THE SINGLE 800-327-9158 Offers 1) below market fixed rate loans or “step loans” with FAMILY 517-373-6840 minimum down payments from $0 to 5%: 2) up to $10,000 PROGRAM MSHDA down payment assistance loan (0 interest, no payments) if there is a dependent child under 18 in the family, 3) Acquisition/Rehabilitation loan includes funds to make repairs to the home being purchased. Application for the MSHDA loan can be made at a local participating lender. Income limits ($26,220 for 1; $29,940 for 2; $33,720 for 3; $37,440 for 4, etc) and other conditions apply. For more information see www.MSHDA.org>homebuyers> MSHDA Financing>Down Payment Assistance Program. MICHIGAN 800-327-9158 For homebuyers with income below 30,000 (credit is less if MORTGAGE MSHDA over 30,000), provides a federal tax credit that reduces CREDIT hotline monthly mortgage payments. Call for a free pamphlet and list CERTIFICATE of participating lenders (MCC) FHA & VA Insured/guaranteed loans by these agencies make it easier for PROGRAMS low-income & poor credit persons to qualify for mortgages. Settlement costs can be financed, allowing the down payment to be as low as 2% to 3%. VA is the most generous: with a VA mortgage, you make no down payment, and you don’t have to pay private mortgage insurance—a savings of $60 to $90 per month for a standard loan. Also you need only average credit, and there are no income restrictions, top or bottom. Real estate agents are a major source of information about these programs. Real estate firms often hold free seminars about FHA & VA RURAL 517-548-1550 The Direct Single Family Housing Loan is an insured loan PROGRAMS offered by the Department of Agriculture to assist first time home buyers (may include families whose current housing is not meeting their needs) to purchase property in rural areas. The household must be at or below 80% of median household income, have acceptable credit, and be eligible for a mortgage. Loans are provided with no down payment, and rate reductions may reduce interest as low as 1%, based on ability to pay. Contact the Dept of Agriculture, or real estate agents in rural areas. “CREATIVE Some examples are: rent with an option to buy, land contract, FINANCING” sweat equity (fixer-upper), seller-financing, foreclosures & auctions, kit homes, shared equity, family loans, co-signing a mortgage, go farther away, share a house 3% DOWN Most lenders participate. This program requires buyers to PROGRAMS participate in pre-purchase homeowner seminars and post- purchase homeowner seminars and post-purchase financial counseling. Also required is inspection/home warranty. In Detroit the 3% can come from a credit card or loan. CITY OF 586-574-4686 Up to $3,000 per eligible low/moderate income first time WARREN homebuyers is provided as a forgivable loan -- payments are DOWNPAYMENT deferred and the loan is forgiven after 5 years of owner ASSISTANCE occupancy. Homeowners must pay 3% of the purchase price PROGRAM with their own funds. The City’s loan is applied to 2% down payment and closing costs. The lender must also provide financial assistance. REHAB Various cities in Macomb offer Housing & Emergency Rehab PROGRAMS Programs Taxes must be current, and total household income limits, minimum equity, and a waiting list apply. A zero interest loan is due & payable upon the sale of the home. To apply, contact: Clinton Twp—Ed Manninen 586-286-9325; Warren—Rose Furlong 586-574-4500; St. Clair Shores—Liz Koto 586-445-5200; Roseville—I.J. Campbell 586-445-5440; Sterling Heights—Stephanie Burgess 586-446-2382; Mt. Clemens & Harrison Twp & Eastpointe & Center Line & all of Macomb north of M-59—Mike Rozny 586-469-5285. MSU EXTENSION 586-469-6430 Seminars are conducted by MSU Extension Service covering 4 SEMINARS topics: (1) Affordable Housing for 1st time homebuyers (including families in trailers or whose housing is not meeting their needs), on renting vs buying, affordable neighborhoods, government and bank loan programs, down payment assistance, saving money, and cleaning up credit; (2)Home Ownership a two part seminar on house hunting & evaluating a house inside & out, qualifying for a mortgage -- understanding the criteria lenders use to determining loan eligibility & mortgage options, & how to compute costs from purchase to closing, also discusses realtors, lawyers, & closing documents; (3) Money Management in small groups or individual sessions reviews spending plans & budgeting, pre-and post purchase home buyer counseling, and credit and debt management; and (4) Home Repair and Maintenance for renters and homeowners on wall repair, window repair, plumbing, electrical, weatherization, landscaping, heating & cooling, & home inspection. HABITAT FOR 586-263-1540 Builds new houses for low income persons/families. Payments HUMANITY are low with 0 interest. Buyers must assist at the site, volunteers are welcome. To be eligible, a family must meet minimum income guidelines and other ability to pay criteria (for a family of 4: $20,000 to $34,917 annual income). For more information, see www.macombhabitat.org IDAs 586-469-7378 These accounts provide a 4 to 1 or 3 to l match for savings up (Individual (MCCSA) to $1000 (for a $5000 total) toward down payment and Development closing cost expenses for low income working persons or Accounts) 586-759-3895 families below 200% of poverty who can save at least $28 per (Leaps & month. You must have fair credit and attend information & Bounds) orientation sessions to sign up, and also attend money management classes. More info about IDAs is at http://www.idanetwork.org MCCSA also offers HUD’s American Dream Downpayment Initiative (google it) which lets $2500 saved be matched by $7500 http://www.macombcountymi.gov/MCCSA/ida.asp Any lender can participate. You must first qualify for an FHA NEHEMIAH 877-634-3642 Mortgage. The Nehemiah Corporation makes a down payment and other gift for the buyer of up to 3% of the purchase price and the DOWNPAYMENT seller makes a tax deductible donation of up to 4% of the GIFT purchase price to Nehemiah at the closing. Based on market PROGRAMS factors, the sale price of the home may or may not be increased to cover the donation to the nonprofit. More information is available from http://www.nehemiahcorp.org or from loan officers Kevin Campbell 248-539-5844, Scott Boewe 586-615-2762, or Kevin Higgins 586-285-3400. Three similar programs are http://www.neighborhoodgold.com (888-627- 3023), http://www.ameridream.org (616-429-8857), and http://partnersincharity.org (800-705-8350). Ameridream and Partners In Charity can pay up to a 10% down payment in some circumstances. Partners in Charity will give a donation(@$50) to the nonprofit or charity of your choice. Revised by Dan Pfaff 5/6/2009 more lists are at http://macombresources.info