Michigan Resource Guide Single-Family Home Repair Programs

MICHIGAN RESOURCE GUIDE SINGLE-FAMILY HOME REPAIR PROGRAMS This resource guide provides an overview of single family housing rehabilitation programs offered by a variety of organizations (local and national). The guide identifies programs that individuals, families, public, and non-profit organizations may access to preserve or improve existing single family housing. Please note that this resource guide is not a comprehensive list of housing rehabilitation programs and the program information provided is subject to change at any time.

MICHIGAN COMMUNITY ACTION AGENCIES PROGRAM OBJECTIVE APPLICANT USES TERMS/CONDITIONS CONTACT Energy conservation services may include: The wall insulation, attic weatherization insulation, foundation Michigan Community Action Families and individuals in This program provides program insulation, air leakage 2173 Commons Parkway select communities. free home energy provides reduction caulking, Okemos, MI 48864 Weatherization conservation services home energy weather stripping of leaky Phone: 517-321-7500 Program This program is to low-income conservation doors, repairing windows, targeted to low-income homeowners and services to smoke detectors, Contact local Community homeowners and renters. renters. homeowners and compact fluorescent light Action agency for assistance. renters. bulbs, furnace and hot water heater repair or replacement. This program may To assist Families and individuals in require a lien and/or Michigan Community Action These improvements homeowners select communities. mortgage to be placed 2173 Commons Parkway include furnace, roof, in select on the property. The Okemos, MI 48864 Homeowner plumbing and electrical communities to Program eligibility is funds may be repaid Phone: 517-321-7500 Repair Program repairs, as well as make repairs and based on income (check by either a deferred upgrading kitchens, improvements to local agency website for loan, zero interest loan Contact local Community bathrooms, etc. their homes. details). payments or some Action agency for assistance. combination of both. UNITED STATES DEPARTMENT OF AGRICULTURE (USDA) RURAL DEVELOPMENT (RD) PROGRAM OBJECTIVE APPLICANT USES TERMS/CONDITIONS CONTACT USDA RD State Office Families and individuals Up to 100% market 3001 Coolidge Rd., #200 in rural areas and value or cost, East Lansing, MI 48823 To provide communities of 20,000 or Single Buy, build, improve, whichever is less. Loan 517-324-5210 safe, well-built less population. Family Home repair or rehabilitate rural amortized for 33 years. affordable Eligibility for these loans All Programs Ownership homes as the applicant’s Applicant may be homes for rural is based on income and Loans permanent residence. eligible for payment Single Family Americans. varies according to the assistance (subsidy) on Housing Programs average median income the loan. for each area. Single Family Housing Direct Home Loans Families and individuals Program helps that currently own their USDA RD State Office very low-income home. Terms to 20 years 3001 Coolidge Rd., #200 applicants Loan and grant purposes at 1.0%. Assistance Rural areas and East Lansing, MI 48823 remove health include: winterizing, to individuals may Single Family communities of 20,000 517-324-5210 and safety purchase or repair of not exceed $20,000. Home Repair or less population. hazards, make heating system, structural Grants available to All Programs Loans and essential Eligibility for these loans, repair, water/sewage applicants 62 years Grants Single Family repairs or make and grants is based connect fees, and similar or older with limited Housing Programs accessible for on income and varies uses income. Maximum residents with according to the average grant is $7,500. Single Family Housing disabilities median income for each Repair Loans & Grants area. Families and individuals apply to participating non-profit agency. Grant USDA RD State Office funding available to non- The individual families 3001 Coolidge Rd., #200 Individuals profit for administration. Mutual Loan applications are receive a direct East Lansing, MI 48823 build homes as Self-help Rural areas and processed on an individual loan. The non-profit 517-324-5210 a group with Housing communities of 20,000 basis for each participating housing organization construction All Programs Technical or less population. family. Loan is provided for receives grant to hire guidance of Assistance site, material and skilled a supervisor and pay Single Family a non-profit Eligibility for these loans Grants labor. other administrative Housing Programs organization. and grants is based expenses. on income and varies Mutual Self-help Housing according to the average Technical Assistance Grants median income for each area. USDA RD State Office Individuals, profit and 3001 Coolidge Rd, #200 non-profit organizations East Lansing, MI 48823 517-324-5210 Rural areas and Safe, well-built communities of 20,000 or Up to 100% of market All Programs Multi-family and affordable less population. New construction or value (non-profits); 97% Multi-family Housing rental housing substantial rehabilitation (for profit) 30-year term Housing Programs Eligibility for these loans, Programs for rural of rental housing. with up to 50 years loan guarantees is based Multi-family Housing Americans. amortization. on income and varies Direct Loans according to the average Multi-family Housing median income for each Loan Guarantees area. Multi-family Housing Rental Assistance Public bodies and non- profit corporations USDA RD State Office 3001 Coolidge Rd., #200 Repair and Rural areas and Operate a program that East Lansing, MI 48823 rehabilitation communities of 20,000 or Housing finances the repair and 517-324-5210 housing owned less population. Grant agreement Preservation rehabilitation activities or occupied by conditions All Programs Grants Eligibility for these grants for single family and small low-income rural is based on income and rental properties. Multi-family people. varies according to the Housing Programs average median income Housing Preservation Grants for each area.

SINGLE-FAMILY HOME REPAIR PROGRAMS MICHIGAN ECONOMIC DEVELOPMENT CORPORATION MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY (MSHDA) PROGRAM OBJECTIVE APPLICANT USES TERMS/CONDITIONS CONTACT

Homeowners with equity Loan terms up to in their home, annual 20 years and no household income of up The improvements must appraisal required. No to $105,700 and with a substantially protect or lien requirement on loans under $7,500 MSHDA To assist credit score of at least improve the basic livability for homeowners. 735 E. Michigan Ave. homeowners 620. Larger loan amounts or utility of the single Property Loan amounts vary PO Box 30044 in Michigan to require a minimum credit family or manufactured Improvement depending on the Lansing, MI 48909 make repairs and score of 660. home. Program (PIP) property type and 517-335-9885 improvements to The home must be the Major systems repairs/ cumulative loan to Property Improvement their homes. borrower’s primary replacement and energy value, up to $50,000. Program residence, either single- efficiency updates are Interest rates for family or manufactured allowed. homeowners vary home, located in based upon the gross Michigan. household income. FEDERAL HOME LOAN BANK OF INDIANAPOLIS (FHLBI) PROGRAM OBJECTIVE APPLICANT USES TERMS/CONDITIONS CONTACT Federal Home Loan Bank FHLBI members can of Indiana (FHLBI) assist homeowners with NIP grants of up to 8250 Woodfield Crossing Blvd. repairs including new $10,000. Indianapolis, IN 46240 NIP assists existing windows, furnaces, To help preserve 317-465-0200 Neighborhood homeowners with roofs, siding and other FHLBI members may property 800-442-2568 Impact Program incomes at or below 80% deferred maintenance work with eligible values in local Neighborhood Impact (NIP) of area median income types of repairs. Members homeowners directly communities. Program (NIP) rehabilitate their homes. may work with eligible or through one or homeowners directly or more local housing Contact local FHLBI through one or more local organizations. member for assistance or housing organizations. call Community Investment Department, 800-688-6697 Up to $15,000 in grant funding for accessibility modifications for eligible senior Federal Home Loan Bank homeowners and of Indiana (FHLBI) Homeowners and owner- owner-occupied 8250 Woodfield Crossing Blvd. occupied households households with Indianapolis, IN 46240 with a person(s) with a Eligible modifications Grant funding a person(s) with a 317-465-0200 Accessibility permanent disability include items such as for accessibility permanent disability. 800-442-2568 Modifications Eligible households must ramps, grab bars, roll-in modifications to All grants must be Accessibility Modification Program (AMP) have household income showers and widened homeowners. accessed through an Program (AMP) at or below 80% of the doorways FHLBI member. FHLBI area median income Contact local FHLBI members may choose (AMI). member for assistance or to work with eligible call Community Investment households directly Department, 800-688-6697 and/or through one or more community housing organizations.

SINGLE-FAMILY HOME REPAIR PROGRAMS MICHIGAN DEPARTMENT OF HEALTH AND HUMAN SERVICES (MDHHS) PROGRAM OBJECTIVE APPLICANT USES TERMS/CONDITIONS CONTACT Families that meet ALL of the following: Owner occupied: Up to • have a child under $10,000 per unit in free 6-years-old or pregnant work is provided with female living in the home; a small fee required • live in the counties The program provides depending on income. MDHHS Offers lead of Genesee, Ingham, free lead inspection/risk Landlords: MDHHS 235 S. Grand Ave. testing and lead Jackson, Kalamazoo, assessment ($750 value) on will provide from 4th Floor, Ste. 410 Lead Safe hazard control Kent, Lenawee, Macomb, home. Additionally, lead $2,000–$6,000 per unit; PO Box 30037 Home Program services to Oakland, Saginaw, or City hazard control work which landlords must come up Lansing, MI 48909 qualifying families of Detroit or elsewhere if may include new windows, with the rest. 866-691-5323 through grants. your child has a lead level doors and special cleaning of five or above; and painting. Tenants: There is no Lead Safe Home Program • are a low or moderate cost to them. MDHHS income family; needs landlord’s • live in a home built permission before before 1978; and starting work. • own or rent the home. MICHIGAN SAVES PROGRAM OBJECTIVE APPLICANT USES TERMS/CONDITIONS CONTACT Homeowners (can be secondary home), or for 1–4 unit properties where one unit is owner-occupied Homeowners can choose Provides loans Michigan Saves All borrowers must meet from a list of qualified Up to $50,000 in for energy 230 N. Washington Sq., #300 Home Energy the lender’s underwriting improvements such as new financing with no home efficiency and Lansing, MI 48933 Loan Program criteria, including a credit windows and doors, new air appraisal or equity renewable energy 517-484-6474 score above 640 (680 conditioners or furnaces, or required. improvements. in some areas) and a even new appliances. Home Energy Loan Program debt-to-income ratio less than 50 percent. Check with individual lenders for details. HABITAT FOR HUMANITY AFFILIATES IN MICHIGAN PROGRAM OBJECTIVE APPLICANT USES TERMS/CONDITIONS CONTACT This program is offered Habitat for Humanity Michigan to homeowners in select Eligible homeowners Provide 618 S. Creyts Rd., Ste A communities across the contribute their time weatherization, Homeowners can access Lansing, MI 48917 Home Repairs & state of Michigan. and cover all or a critical home weatherization, critical 517-485-1006 Neighborhood portion of the costs repairs, and home Homeowners should home repairs, and home Revitalization of the repairs through Home Preservation preservation contact the affiliate in preservation services. no interest, no profit services. their area for program Contact local HFHM payment plans. offerings and eligibility affiliate for assistance requirements. ADDITIONAL RESOURCES U.S. Department of Housing and Urban Development, Energy Efficient Mortgage Program

U.S. Department of Veteran Affairs, Home Improvements and Structural Alterations (HISA) Grant

U.S. Department of Veteran Affairs, Housing Grants for Veterans and Service Members with certain disabilities

MI Veterans Affairs Agency, various emergency assistance resources including Michigan Veterans Trust Fund

SINGLE-FAMILY HOME REPAIR PROGRAMS 4737-200323 | 07/2020