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Many Michiganders are struggling to retain their homes during the current recession. Although not grants as such, here is a collection of some online resources for both homeowners and tenants trying to deal with the ramifications of a possible home foreclosure.

The Michigan State Housing Development Authority's Save the Dream Program provides helpful information for homeowners who are experiencing financial difficulties or facing foreclosure, including a statewide list of homeownership counselors, a second mortgage program to assist current MSHDA borrowers, and a new refinance program available to eligible homeowners. If you prefer, you can call the Save the Dream toll-free number at 866-946-7432.

Attorney General Mike Cox offers an online brochure called Avoiding Foreclosure : A Guide for Michigan Homeowners.

Hope Now, a national coalition of mortgage industry groups and government-approved counselors, formed in 2007 to prevent foreclosures. Its 26 mortgage loan servicers cover nearly two-thirds of the industry. If you prefer, you can call the Hope Now Hotline at 888-995-4673. Since July 2007, almost 10,000 Michigan homeowners have received counseling.

United Way 2-1-1 provides Michigan Foreclosure & Delinquency Assistance. United Way 2-1-1 is a multi-lingual, comprehensive information and referral service available 24/7/365. In addition to providing you with mortgage assistance and delinquency resources, the United Way 2-1-1 database contains more than 20,000 programs and services such as after school programs, senior care services, medical and prescription assistance, credit counseling and mortgage foreclosure assistance, and housing and utility resources. This site also provides a way to learn all about foreclosures or use an online quick assessment tool to find out if you are at risk.

Senator Carl Levin offers a Resources for Avoiding Foreclosure web page.

The U.S. Department of Housing and Urban Development (HUD) offers a Guide to Avoiding Foreclosure web page and a list of approved housing counselors broken down by state.

Visit the Federal Housing Authority's Hope for Homeowners web page. The HOPE for Homeowners (H4H) program was created by Congress to help those at risk of default and foreclosure refinance into more affordable, sustainable loans. H4H is an additional mortgage option designed to keep borrowers in their homes. The program is effective from October 1, 2008 to September 30, 2011. If you are having trouble making your mortgage payments, HOPE for Homeowners may be able to help you, by refinancing your loan into a new 30-year or 40-year fixed-rate loan with lower payments.

The Federal Trade Commission offers a Mortgage Payments Sending You Reeling? Here’s What to Do web page.

The Federal Reserve Board offers both a Resources for Consumers and a Resources for Stablizing Communities web page.

Visit Freddie Mac's Avoiding Foreclosure web page.

Visit Fannie Mae's Making Home Affordable web page.

The Southeast Michigan Council of Governments (SEMCOG) offers a Help for Homeowners web page with advice on how to avoid foreclosures.

Visit the Royal Oak Public Library's Facing Foreclosure? Help Is Out There web page.

Visit the Washtenaw County Treasurer's Mortgage Foreclosure Prevention web site.

NeighborWorks America offers Avoiding Foreclosure Resources.

The Michigan Tenant Counseling Program offers How Mortgage Foreclosure Affects Tenants.

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AmeriDream Inc.
http://www.ameridream.org/
Through down payment assistance and community redevelopment programs, AmeriDream, Inc. expands affordable housing opportunities not only to first-time homebuyers but to all low- and moderate-income individuals and families who wish to achieve homeownership. Additionally, as a non-profit organization, AmeriDream works to promote the value of homeownership as a strong foundation that supports lasting communities and individual prosperity.
(Last checked 10/22/09)

American Dream Down Payment Assistance : Michigan
http://www.americandreamdownpaymentassistance.com/state.cfm?code=MI
The American Dream Down Payment Act is a down payment assistance initiative that allows grants to be given to participating jurisdictions to assist low-to-mid-income families and uniformed employees such as, policemen, firemen, sanitation, maintenance workers, and teachers who are employees of the participating state to achieve homeownership. Grants made available under this initiative may be used only for down payment assistance toward the purchase of single family housing by eligible families. The allocation formula for the grant amounts are done by considering the state of Michigan or the participating jurisdiction's prior year's commitment to assistance to homebuyers, the formula shall consider amounts committed to such purpose under the home investment partnerships program, the community development block grant program, mortgage revenue bonds, and prior year's funding from State and local governments, provided that the data underlying such funding is uniform, verifiable, and accurate by the State and local government, and shall consider other factors that the Secretary determines to be appropriate.
(Last checked 10/22/09)

Capital Area Community Voices
Housing/Rental Housing Assistance
http://www.cacvoices.org/organizations/aic/housing
Identifies sources of assistance and information in the Lansing metropolitan area. Current agencies include: Greater Lansing Housing Coalition, Lansing Housing Commission, Ingham County Housing Commission, Potterville Housing Commission, Allen Neighborhood Center, Housing Services for Eaton County.
(Last checked 10/22/09)

Capital Area District Library
Social Services Networking Links
http://www.cadl.org/answers/local-links/social-services.html
Identifies local service agencies dealing with children and parenting, domestic abuse, emergency shelter and food, and other services.
(Last checked 10/22/09)

City of Detroit
Planning and Development Department
Housing Services
http://www.ci.detroit.mi.us/Departments/PlanningDevelopmentDepartment/HousingServices/tabid/138/Default.aspx
The mission of the Housing Services Section is to identify and promote housing activities that eliminate blight and public safety hazards to improve the quality of life in neighborhoods. Housing Services offers rehabilitation for vacant and owner-occupied units. The City of Detroit receives Community Development Block Grant (CDBG) and MSHDA HOME funds from the federal government and uses them to support a wide range of housing and community development programs targeted at low and moderate income residents. Programs include:
(1)Senior Citizen Emergency Home Repair (up to $5000)
(2) Neighborhood Opportunity Fund (NOF) Minor Home Repair (up to $10,000)
(3) Home Buyer Programs
(4) Rental Program
(Last checked 10/22/09)

City Rescue Mission of Lansing
http://www.lcrm.org/
Since 1911, the City Rescue Mission has provided food, shelter, and clothing to Lansing's needy individuals.
(Last checked 10/22/09)

Comerica Tax Assistance Loan Fund Established
web link
Comerica Inc. said Monday that it has created a $500,000 fund to help Detroit homeowners avoid foreclosures caused by unpaid property taxes, an effort it hopes other companies will follow. The Comerica Tax Assistance Loan Fund will award zero- or low-interest loans to eligible low- and moderate-income homeowners living in parts of the city targeted for redevelopment under Mayor Kwame Kilpatrick's NEXT Detroit Neighborhood Initiative. Those areas are: East English Village, Osborn, North End, Brightmoor, 7 Mile-Livernois and Grand River-Greenfield. Source ; Katherine Yung, "Comerica fund set up to avoid foreclosures; Loans will help Detroiters pay property taxes", Detroit Free Press, February 12, 2008.
(Last checked 10/22/09)

Community Development Corporation of Warren
The Community Development Corporation of Warren is accepting applications from first-time home buyers of low to moderate income to purchase houses it is either building or rehabilitating. All of the homes have basements, three bedrooms and two-car garages. All applicants must be first time home buyers and must be able to qualify for a mortgage of at least $110,000. Applications are being accepted through March 1, 2005. For more information call 586.427.4300. Source: Detroit News, Dec. 12, 2004, pg. 5b.

Corporation for Enterprise Development
Innovations in Manufactured Homes (I'M HOME)
http://www.cfed.org/focus.m?parentid=314&siteid=317&id=324
CFED is soliciting proposals that address barriers to asset-building in the manufactured housing (MH) sector. Successful organizations will receive either implementation grants of up to $150,000 or catalyst grants of up to $50,000 to leverage additional outside funds and to directly support efforts to improve the ability of low- and moderate-income families to build wealth and attain greater financial security through ownership of manufactured homes.
(Last checked 10/22/09)

Detroit Community Development Corporations
http://www.detroit-lisc.org/display.aspx?pointer=8386
The Detroit Local Initiatives Support Corp. announced this week it will invest $3 million starting now through 2011 to preserve and support nonprofit community development organizations working to improve neighborhoods in Detroit. LISC officials said it is making the investment to help community development organizations adjust in the sluggish economy, reorganize and build an organizational structure that is more resistant to economic downturns. Current cdcs include: Central Detroit Christian Community Development Corporation, Church of the Messiah Housing Corporation, Core City Neighborhoods, Bagley Housing Association, Detroit Catholic Pastoral Alliance, Jefferson Avenue Housing Association, Mexicantown Community Development Corporation, Grandmont Rosedale Development Corporation, Greater Corktown Development Corporation, New Hope Non-profit Housing, Northern Area Association, NorthStar Community Development Corporation, Northwest Detroit Neighborhood Development Inc., Prevailing Community Development Corporation, Sacred Heart/St. Elizabeth, Southwest Detroit Business Association, Southwest Non-profit Housing Corporation, U-SNAP-BAC, V.I.S.I.O.N., Inc., Vanguard Community Development Corporation, Warren Conner Development Coalition, West Detroit Interfaith Community Organization.
(Last checked 10/22/09)

DisabilityInfo.gov Housing Assistance Web Page
http://www.disability.gov/housing
Accessible, affordable housing is essential for people with disabilities to live independently in their communities. This section of Disability.gov has information about housing rights, tax credits, making a home accessible, and supportive housing services that can help people with disabilities live independent, self-directed lives.
(Last checked 10/22/09)

Down-Payment Charities Are a Mixed Bag
http://www.bankrate.com/brm/news/real-estate/down-pay-charities1.asp
A new breed of charity gives money to home buyers for down payments. But the grants drive up house prices for the people they are designed to help, and the resulting mortgages could be riskier -- with taxpayers paying the bills if too many loans go bad.
Down-payment assistance charities enable people to buy houses without putting their own money down, even when down payments are required. The organizations owe their existence to a loophole in a federal housing regulation that prohibits a seller from directly giving a buyer the money to make a down payment. Courtesy of Holden Lewis, Bankrate.com.
Examples: AmeriDream Inc., Partners in Charity.
(Last checked 10/22/09)

East Lansing/MSU
Employee Home Ownership Program (HOAP)
A new partnership between the city and Michigan State University. Down payment assistance loans of $5000 are available for employees of the City of East Lansing or Michigan State University to purchase a home in one of four targeted East Lansing neighborhoods : Centeral (Chesterfield Hills, Triangle), Bailey (including Avondale Square, Red Cedar, and Southwest Marble), Also included are portions of Glencairn and Brookfield. Interested prospective home buyers should contact the Hometown Housing Partnership at (517) 332-HOME or their human resources department to learn more.

Enterprise Community Partners
http://www.enterprisecommunity.org/
Enterprise helps build affordable housing for low-income Americans by providing financing and expertise to community and housing developers. Every 80 minutes, someone moves into a house we helped create. Enterprise Community Partners is a national nonprofit that provides loans, grants and information resources.
(Last checked 10/22/09)

Enterprise Green Communities Grants and Loans
http://www.greencommunitiesonline.org/
Enterprise offers a comprehensive array of funding options for interested developers, including:
(1) Enterprise offers Planning and Construction and Charrette grants to help cover the costs of planning and implementing green components of affordable housing developments, as well as tracking their costs and benefits.
(2)Early Predevelopment, Predevelopment, Acquisition, and Construction Loans to support the development of affordable rental and homeownership housing that adheres to Green Communities Criteria.
(3) Competitively priced Low-Income Housing Tax Credit (LIHTC) equity to nonprofit and for-profit developers for new construction and/or rehabilitation of affordable rental housing that generally adheres to the Green Communities Criteria.
(Last checked 10/22/09)

Enterprize Zones/Enterprise Communities (EZ/EC)
http://www.ezec.gov/
Provides information on the federal EZ/EC program as well as information on projects grantees. Sponsored by USDA and HUD. Includes recent grant opportunities in the areas of housing, public safety, jobs/job training, technology, research and development, education, youth, health, and environment.
(Last checked 10/22/09)

Federal Funding Opportunities for Housing Posted on Grants.gov
http://grants.gov/search/search.do?mode=CATSEARCH&fundActivity=HO
Lists some of the most recent housing grant programs available. Select housing as funding activity category.
(Last checked 10/22/09)

Federal Rent Assistance
http://www.hud.gov/renting/index.cfm
Describes assistance programs sponsored by the U.S. Department of Housing and Urban Development.
(Last checked 10/22/09)

FederalGrantsWire Homeowner Grants and Loans
http://www.federalgrantswire.com/homeowner-federal-grants.html
18 grant and loan listings from the Catalog of Federal Domestic Assistance.
(Last checked 10/22/09)

FreddieMac Foundation
http://www.freddiemacfoundation.org/
Will continue to support programs that focus on the important work of preventing child abuse and neglect and finding permanent homes for children in foster care. In the future, we will expand our historical support of children and their families during the early stages of a child’s life to include children from birth to 18 years of age. In addition to supporting youth as they transition to adulthood, a special emphasis will be placed on programs that help young people aging out of foster care obtain stable housing and successfully move to independence.
(Last checked 10/22/09)

Grand Rapids Community Development Department
Neighborhood Investment Plan
http://www.ci.grand-rapids.mi.us/index.pl?page_id=3158
The Community Development Department administers the following federally-funded grant programs:
(1) Community Development Block Grant Program (CDBG)
(2) HOME Investment Partnerships Program (HOME)
(3) Justice Assistance Grant Program (JAG)
(4) Emergency Shelter Grants Program (ESG)
(Last checked 10/22/09)

Grand Rapids Housing Commission
http://www.grhousing.org/
Located in Grand Rapids, Michigan, the Grand Rapids Housing Commission is the local public housing agency charged with developing and implementing programs that provide affordable, safe, quality housing to eligible low-income residents.
(Last checked 10/22/09)

Grants.gov : Current Federal Funding Opportunities for Housing
http://grants.gov/search/search.do?mode=CATSEARCH&fundActivity=HO
Lists some of the most recently announced housing grants from the federal government. Select housing as funding activity category.
(Last checked 10/22/09)

Greater Lansing Housing Coalition
http://www.glhc.org/index.html
The mission of the Greater Lansing Housing Coalition (GLHC), a private non-profit 501©(iii) community development corporation, is to provide affordable housing to people of modest means and help revitalize neighborhoods. Since 1995 GLHC has acquired, rehabilitated and sold more than 90 single-family homes; acquired, restored and rented 211 apartments; and assisted 165 families in purchasing their first home. Each product is high quality, affordable and available to people of modest means.
(Last checked 10/22/09)

Guide for Developing Housing for Ex-Offenders
http://www.ojp.usdoj.gov/ccdo/pub/pdf/NCJ203374.pdf
The Office of Justice Programs organized a focus group of corrections and housing officials to identify innovative ways to provide housing for ex-offenders. The result is a 36 page Guide for Developing Housing for Ex-Offenders" (NCJ 203374), which was published in May, 2004. The document describes the problem, covers key issues jurisdictions will face in developing solutions, gives tips on program design, operation and funding, and provides case studies of programs deemed to be successful models.
(Last checked 10/22/09)

Habitat for Humanity Michigan
http://www.habitatmichigan.org/
Habitat for Humanity of Michigan (HFHM) is a statewide nonprofit organization that provides support to the 84 Michigan affiiates of Habitat for Humanity International through training, consulting, and fundraising. Local Habitat affiliates build homes in partnership with the future homeowner and community members in their area. Financial support comes from businesses, churches, organizations, individuals, and non-governmental grants. HFHM helps supplement affiliates through statewide fund raising efforts. Houses are sold at no profit and no interest charged. Monthly mortgage payments are put into a revolving fund to finance additional houses.
(Last checked 10/22/09)

Home and Building Association Foundation of Greater Grand Rapids
The HBA Foundation has been committed since 1989 to awarding annual grants to established community service programs involved in special needs housing. To date the HBA Foundation has given out over $167,000 in assistance to these community programs. Over and above the annual grants, the following are some of the projects the Foundation has supported:
(1) Ronald McDonald House
(2) Hope Community's 24 units of housing and a service center as transitional housing for women and children
(3) KIDSFIRST (emergency shelter for children)
(4) Grand Rapids Reach, Inc. at Messiah Missionary Baptist Church
(5) Home Repair Services of Kent County, for Community Repair Day
(6) Habitat for Humanity
(7) Michigan Technical Education Center
(8) Volunteers in Service
(9) Christian Homes, a ministry of Hope Network West Michigan
(10) Mercy Respite Center of Arbor Circle
(11) Westown Jubilee Housing, Inc.
(12) Thresholds, Inc.
The Foundation supports both established and new community service programs whose mission and purpose fall within the Foundation's mission. The Grants and Community Projects Committee reviews all requests. Their recommendations for funding are then brought to the Foundation Board of Directors for approval. Deadlines for grant proposals are March 7 and October 31. Grant applications are available by calling the Foundation office at (616) 281-2021, ext. 231.

Home Depot Foundation
http://www.homedepotfoundation.org/
http://www.homedepotfoundation.org/support_housing_apply.html
The Home Depot Foundation invests in nonprofit organizations throughout the United States and Canada that have demonstrated success within one of the grant-making initiatives of the Foundation. Through our investments, we support organizations and programs that work to:
(1) Create or rehabilitate affordable housing
(2) Assist at-risk youth (ages 12-18)
(3) Protect the environment
(4) Prepare for disasters
(Last checked 10/22/09)

Home Depot to Accept Housing Impact Grants Program Applications The Home Depot's Housing Impact Grants program is a quarterly grants process designed to assist nonprofit organizations in North America whose projects involve affordable housing built responsibly in a timely manner. Projects that seek to build or rebuild affordable housing will be eligible for grants of $1,000 to $3,000 each. Preference will be given to projects that integrate sustainability.
Beginning in 2008, the Housing Impact Grants program will fully align with the Home Depot Foundation's Affordable Housing Built Responsibly program. The online process will remain competitive and will be open to nonprofit organizations with proper tax exempt status whose projects align with the new grant guidelines in North America.
The Home Depot will only fund nonprofit organizations that have 501(c)(3) tax-exempt status in the United States, or that have a notification of registration and confirmation of registration from the Canadian Customs and Revenue Agency Charities Division in Canada.
Applications for the next funding cycle may be submitted from November 1 to December 15, 2008.
(Last checked 10/22/09)

Home Repair Services of Kent County
http://homerepairservices.org/
This non-profit offers a variety of services to low-income homeowners of Kent County.
(Last checked 10/22/09)

Homebuyer Funds
http://www.homebuyerfunds.com/
Provides a complimentary Funds Finder Tool which supposedly indexes thousands of housing assistance programs offered by the government, non-profit agencies & private organizations. The search tool requires one to designate the state, county, and city. These range from free grants to 0% interest loans for purchases and repairs.
(Last checked 10/22/09)

Homeless Facilities Grants
http://www.michigan.gov/mshda/0,1607,7-141--34606--,00.html
Agencies serving homeless populations may apply for Homeless Facilities Grants -- generally not to exceed $50,000 -- for acquisition, rehabilitation, and new construction of facilities providing emergency shelter, transitional housing, permanent supportive housig, or directly associated supportive services. Applicants must provide dollar-for-dollar matching funds. Applications may be submitted at any time during the calendar year.
(Last checked 10/22/09)

Homeless Grants Available through the State of Michigan, try the Michigan Electronic Grants Administration and Management System Portal (EGrAMS).

Homeless Information : Michigan
http://www.hud.gov/local/index.cfm?state=mi&topic=homeless
Provides a compilation of resources such as help lines, emergency rental assistance, help with utility bills, avoiding disclosure. Courtesy of the U.S. Department of Housing and Urban Development.
(Last checked 10/22/09)

HOPE Awards
http://hopeawards.org/HopeAwrd.nsf/pages/categories?OpenDocument
Deadline: Dec. 1
Organizations and individuals making outstanding contributions to promote minority home ownership are invited to submit applications for the 2005 HOPE (Home Ownership Participation for Everyone) Awards. Each of the award winners in as many as seven categories will receive a $10,000 honorarium and national recognition for their contributions to removing barriers to minority home ownership. Winners will also be given the opportunity to discuss their work and share their experiences with housing policy makers at a symposium at the National Press Club. Up to seven awards will be made in the categories of education, finance, project of the year, brokerage, public policy, media and HOPE leadership.
(Last checked 10/22/09)

Housing Action Resource Trust (HART)
http://www.hartprogram.com
A California 501c3 non-profit housing and community development organization located in the City of Rancho Cucamonga, California. Assists prospective homebuyers nationally who qualify for a first mortgage loan, but require down payment and closing costs necessary in purchasing homes. They charge a fee for their service.
(Last checked 10/22/09)

Housing Assistance Council Development Loan Fund
http://216.92.48.246/about.php
The Housing Assistance Council operates one of the oldest community development loan funds in the country. HAC provides low-interest loans to finance affordable and mixed-income housing projects in rural communities nationwide. Loans are available to support projects at all stages in the development process, from predevelopment through construction. Financing is available for single- and multi-family housing, with various forms of ownership (including cooperatives and condominiums) and using traditional and alternative models of land tenure (including land held in trust).
(Last checked 10/22/09)

Housing Grants Available through the State of Michigan, try the Michigan Electronic Grants Administration and Management System Portal (EGrAMS).

Housing Grants Available from the U.S. Government
Posted in the Catalog of Federal Domestic Assistance (CFDA)
https://cfda.symplicity.com
Try searching by keyword with the word housing.
(Last checked 10/22/09)

Housing Grants/Programs Available from the U.S. Government
Posted on Grants.gov
http://grants.gov/search/search.do?mode=CATSEARCH&fundActivity=HO
Some of the most current grant opportunities posted by the federal government. Select housing as funding activity category.
(Last checked 10/22/09)

Housing Opportunities for Persons with AIDS (CFDA 14.241)
http://www.hud.gov/offices/cpd/aidshousing/
https://cfda.symplicity.com
Note: Try searching by cfda number and enter 14.241
This program provides States and localities with the resources and incentives to devise long-term comprehensive strategies for meeting the housing needs of persons with AIDS or related diseases and their families.
(Last checked 10/22/09)

HUD 203(k) Loan Program
http://usgovinfo.about.com/cs/consumer/a/fixeruppers.htm
You want to buy a house that needs repairs -- a "fixer-upper." Unfortunately, you cannot borrow the money to buy the house, because the bank won't make the loan until the repairs are done, and the repairs cannot be done until the house has been purchased. Can you say "Catch-22?" Don't give up. The Department of Housing and Urban Development (HUD) has a loan program that might just get you that house. HUD's 203(k) program can help you with this quagmire and allow you to purchase or refinance a property plus include in the loan the cost of making the repairs and improvements. The FHA insured 203(k) loan is provided through approved mortgage lenders nationwide. It is available to persons wanting to occupy the home. The downpayment requirement for an owner-occupant (or a nonprofit organization or government agency) is approximately 3 percent of the acquisition and repair costs of the property.
(Last checked 10/22/09)

HUD Homes and Communities
Resources for Individuals
http://www.hud.gov/offices/adm/grants/grantsrsrc.cfm
While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available. There are some things you should know about government funding of a new home:
(1) The federal government does not give housing grants directly to individuals. The funds are given to states and certain municipalities, who in turn, distribute the funds to residents.
(2) No grant will cover 100% of the cost of a house.
(3) The government will not give a grant to anyone who cannot use it toward a mortgage; therefore, qualification for a mortgage is necessary.
(4) Any program the federal government has to assist first-time buyers in a home purchase will require that you attend a HUD approved Housing Counseling class. They help people get their finances organized so they will qualify for a mortgage.
(Last checked 10/22/09)

HUD Section 811 Supportive Housing for Persons with Disabilities (CFDA 14.181)
http://www.hud.gov/offices/hsg/mfh/progdesc/disab811.cfm
https://cfda.symplicity.com
Note: Try searching by cfda number and enter 14.181
HUD provides funding to nonprofit organizations to develop rental housing with the availability of supportive services for very low-income adults with disabilities, and provides rent subsidies for the projects to help make them affordable. Want More Information? Program instructions are in HUD Handbooks, Notices and Forms which can be found on HUDclips. Prospective applicants should contact the local HUD Multifamily Hub or Program Center with jurisdiction for the property.
(Last checked 10/22/09)

Human Development Commission (Caro, MI)
http://www.hdc-caro.org/
Provides housing rehabilitation services to bring houses up to MSHDA housing quality standards, including repair/replacement of furnaces, roofs, and other items. Applicants must be a resident of Huron, Sanilac, or Tuscola counties.
In conjunction with local lenders, low interest (1 to 10 percent) loans up to $15,000 are available to bring homes up to MSHDA standards, including furnaces, insulation, painting, siding, roofing, and other repairs/renovations. Applicants must be purchasing or already own their home and be able to show that it is at least 20 years old and have a household income under $43,575.
Also provides home weatherization assistance.
(Last checked 10/22/09)

Ingham County Housing Commission
http://www.ingham.org/News%20and%20Issues/homeimprovementloans.htm
If your adjusted annual income is $63,450 or less, based on the number of persons in your family, you may qualify for a low (or no) interest home improvement loan. The Ingham County Housing Commission has funds from the Michigan State Housing Development Authority (MSHDA) and local lending institutions to rehabilitate owner-occupied homes in Ingham County (excluding Lansing and East Lansing). MSHDA loans are low or no interest based on income and family size. Eligible Items include:
(1) repairing or replacing the roof
(2) installing insulation
(3) replacement of furnace
(4) installation of new windows or doors
(5) painting or siding of exterior of home
(6) and many more.
For more information, call 517-349-1643 between 8:30 til noon or between 1 and 4:30 p.m. weekdays. The Ingham County Housing Commission is located at 3882 Dobie Road, Okemos, MI 48864.
(Last checked 10/22/09)

Ingham County Rebuilding Together
http://www.rebuildingtogetheringhamcounty.org/
Volunteer program select projects to work on to help low-income elderly or disabled homeowners with home repair and rehabilitation projects. (Last checked 10/22/09)

Jackson Affordable Housing Corporation
http://www.jacksonaffordablehousing.org/default.asp?p=program
JAHC was established in 1990 for the purpose of combining and coordinating available resources to provide affordable acquisition and rehabilitation financing for low to moderate-income families in the City of Jackson, Michigan.
(Last checked 10/22/09)

Lansing Community College Offering Housing Grants
Lansing Community College has announced a home ownership program designed to help employees live closer to the college's downtown campus. $5000 grants will be available for use as down payments for homes. Any full- or part-time employee with more than three years service is eligible. For every year of residence, $1000 of the loan will be forgiven. In addition, the city of Lansing offers $150,000 worth of funding each year to firefighters, police officers, and clerical staff who move into city homes. The Board of Power and Light, Sparrow Hospital, and Ingham Regional Medical Center also provide home ownership assistance. Source: Lansing State Journal, September 13, 2000, p. 1B.

Lansing Neighborhood Housing Corporation
Mailing address: 124 Allegan St., Lansing, MI 48933-1707
Telephone: (800) 732-1605
According to FC Search, the funding database of the Foundation Center, this independent foundation provides funding for renovations of single-family dwellings by approved housing developers in the city of Lansing, Michigan. For more information, send the foundation a letter summarizing your proposal. IRS returns listing grant recipinets for 1998-2002 are available via Guidestar.
(Last checked 10/22/09)

Lansing’s Old Town Commercial Association
http://www.oldtownmainstreet.org/membership.cfm
Telephone: 485-4283
Offers grants of up to $3500 to property owners and businesses to improve or maintain building facades. Grants must be matched by applicant, and the structures must be within the association’s boundaries. Applications will be reviewed by the Association’s Design Committee. Source : Lansing State Journal, January 28, 2005, p.8D.
(Last checked 10/22/09)

Lesko's Housing Help (Matthew)
http://www.lesko.com/help/HousingHelp.htm
Money, information and services to find, buy, or fix-up a home.
(Last checked 10/22/09)

Living Cities : National Community Development Initiative
http://www.livingcities.org/
Focuses funding efforts in major metropolitan areas such as Detroit.
(Last checked 10/22/09)

Making Home Affordable
http://www.makinghomeaffordable.gov/
A clearinghouse for people to find counseling, details of the government’s home refinancing plans, a payment reduction estimator, and information to find out if you are eligible.
(Last checked 10/22/09)

Matthew Lesko, see Lesko

McGregor Fund
Social Services Grants
http://www.mcgregorfund.org/html/4_0_application.htm#humanservices
In keeping with its mission, the McGregor Fund emphasizes support for activities in southeastern Michigan addressing emergency needs for housing, food, clothing and other direct aid. In addition, support may be provided for activities that address the root causes of poverty, homelessness and hunger, and help individuals and families achieve personal and financial stability and other life-changing outcomes.
(Last checked 10/22/09)

Michigan Capital Fund for Housing Non-Profit Housing Corporation
Mailing address: 530 W. Iona St., Ste. F, Lansing, MI 48933-1062
This operating foundation provides funding for quality, affordable housing for the poor and underprivileged, the promotion of efforts to facilitate self-sufficiency and upward mobility of very-low and low-income households, and the preservation of social welfare through efforts to facilitate the construction and development of housing for very low-, low- and moderate-income households in a manner directed to eliminate prejudice and discrimination, lessen neighborhood tensions, and combat the deterioration of communities throughout MI. According to FC Search, the funding database by the Foundation Center, this operating foundation does not accept applications nor respond to requests by individuals. For more information, visit Guidestar.
(Last checked 10/22/09)

Michigan Coalition Against Homelessness
http://www.mihomeless.org/
Resources
A nonprofit association of emergency shelters, transitional housing programs, government agencies, housing and service programs, and concerned citizens from across the State. The Coalition's mission is to decrease the incidence of homelessness, improve the quality of services provided to people who are homeless; to effect systemic change to alleviate the root causes of homelessness, and increase communication among Michigan homeless assistance providers.
(Last checked 04/15/08)

Michigan Home Ownership Assistance Programs
http://www.hud.gov/local/mi/homeownership/buyingprgms.cfm
Last revised Jan. 1, 2005. Includes information about programs in Detroit, Eastpointe, Grand Rapids, Jackson, Lincoln Park, Midland, Warren, Westland, and Wyandotte.
(Last checked 10/22/09)

Michigan Home Ownership Coalition
http://www.hud.gov/local/mi/homeownership/mihoc.cfm
This organization is a "collaboration and innovation to assist individuals with disabilities and their families to become homeowners". This Michigan Home Ownership Coalition offers the HomeChoice Mortgage and down payment assistance through the Michigan State Housing Development Authority (MSHDA). This mortgage product is for a person with a disability or a family with a member with a disability who lives with them and provides them the opportunity to become a homeowner. The HomeChoice Mortgage is a single-family mortgage loan developed to meet the mortgage underwriting needs of low- and moderate-income people and offered through Fannie Mae.
(Last checked 10/22/09)

Michigan Individual Development Accounts
http://www.cmif.org/IDA/IDAHome.htm
CMF's Michigan IDA Partnership (MIDAP) has helped 788 participants reach their savings goals, complete financial management courses, and purchase their chosen asset to help them become more economically stable and self-sufficient, including 541 home purchases, 141 post-secondary education uses, and 106 micro-enterprise start-ups or expansions. These 788 participants combined have saved $762,422 and received match funds of $2,219,499. New mortgages for the 541 homes exceed $47 million. Figures accurate as of May 2, 2006.
(Last checked 10/22/09)

Michigan Interfaith Trust Fund
http://www.interfaithtrust.org/
We are proud to introduce the Michigan Interfaith Trust Fund -— the result of a merger between the Michigan Housing Trust Fund and the Michigan McGehee Interfaith Loan Fund. Both organizations joined this unique partnership following long individual histories of working to improve communities throughout Michigan with economic justice as a primary focus.
The Michigan Interfaith Trust Fund lends primarily to non-profit 501(c)(3) or 501(c)(4) organizations such as housing development corporations, cooperatives, land trusts, community development corporations, faith-based institutions, labor unions, credit unions, and social service agencies with a stated mission of creating affordable housing. For-profit entities and local units of government may also be eligible.
(Last checked 10/22/09)

Michigan Property Improvement Program
http://www.michigan.gov/mshda/0,1607,7-141-49317---,00.html
The Property Improvement Program (PIP) Section of the Michigan State Housing Development Authority (MSHDA) was established to provide decent, sound, safe, and sanitary housing for eligible residents of the State of Michigan. To that end, PIP is authorized to provide funds for the repair, improvement, and rehabilitation of existing housing under the following programs:
(1) Residential Properties with 1 to 11 Units: Individuals may apply directly to a participating lender (bank, savings and loan, etc.) located in their community or to a participating local unit of government or nonprofit organization (the "Community Agent"). After preliminary local approval, the loan package is sent to MSHDA for final approval and commitment. PIP loans are available in most areas of the state.
(2) Replacement Housing Program (RHP): The Replacement Housing Program (RHP) allows eligible homeowners to replace substandard housing with new units (generally manufactured. RHP is available only through participating Community Agents.
(Last checked 10/22/09)

Michigan State Housing Development Authority
http://www.michigan.gov/mshda/
(Last checked 10/22/09)

Michigan State Housing Development Authority
Down Payment Assistance
http://www.michigan.gov/mshda/0,1607,7-141-45866_45870-172114--,00.html
(Last checked 10/22/09)

Michigan State Housing Development Agency
Emergency Shelter Grants
http://www.michigan.gov/mshda/0,1607,7-141--175590--,00.html
Emergency Shelter Grants (ESG) are awarded to programs providing emergency shelter, transitional housing, and/or related supportive services for homeless individuals and/or families. ESG funds may be used for operating costs, essential services, homeless prevention acitvities, and/or Continuum of Care (CoC) coordinating expenses. Funds are distributed annually through allocations to community-based CoC Planning Bodies. These CoC Bodies, in turn, make funding recommendations for local programs. Grants awarded to eligible organizations through this process will be issued for a one-year term (April 1, 2009 - May 31, 2010). Please review the statewide CoC listand contact your local CoC Chairperson for further information.
(Last checked 10/22/09)

Michigan State Housing Development Authority
Home Improvement Loan Program
http://www.michigan.gov/mshda/0,1607,7-141-49317---,00.html
You may qualify for a Home Improvement Loan if:
(1) You are buying your home or own it free and clear. You must also occupy the house that will be improved or one of the units if the property has two to four apartments.
(2) Your gross annual household income from all adult household members is under $74,750,700 (or $60,500 in certain cities).
(3) You have reasonable credit and the ability to repay the loan.
(Last checked 10/22/09)

Michigan State Housing Development Agency
Homeless Facilities Grants
http://www.michigan.gov/mshda/0,1607,7-141--34606--,00.html
Homeless Facilities Grants are available to Michigan 501(c)(3) nonprofit agencies and local units of government that serve persons experiencing homelessness through a shelter or transitional housing facility. Homeless Facilities Grant resources are intended for the rehabilitation of a facility to house persons experiencing homelessness. MSHDA does NOT accept applications for the acquisition or new construction of shelters or for major rehabilitation and/or additions to shelters. If, however, you are currently operating a shelter and want to sell/relocate to a structure in better condition, contact your Homeless Assistance Specialist. The maximum grant amount is $50,000 with dollar-for-dollar leveraging of project-specific costs required.
(Last checked 10/22/09)

Michigan State Housing Development Authority
Homeless Program Funding
http://www.michigan.gov/mshda/0,1607,7-141-5515_15273---,00.html
Contains links to:
(1) Critical Needs grants are utilized to provide funding for the one-time, critical and immediate need of shelter or transitional housing . . .
(2) Agencies serving homeless popuations may apply for Homeless Facilities Grants...
(Last checked 10/22/09)

Michigan State Housing Development Authority
Neighborhood Stabilization Program
http://www.michigan.gov/mshda/0,1607,7-141--202883--,00.html
HUD’s new Neighborhood Stabilization Program (NSP) provides targeted emergency assistance to state and local governments to acquire and redevelop foreclosed properties that might otherwise become sources of abandonment and blight within their communities. The State of Michigan has been allocated $98,653,915 to address the areas of greatest need within Michigan. The State must submit an NSP Action Plan Substantial Amendment to HUD by December 1, 2008 to receive these funds.
(Last checked 10/22/09)

Michigan State Housing Development Authority
Save the Dream Program
http://www.michigan.gov/mshda/0,1607,7-141-45866_47905-177801--,00.html
MSHDA's Save the Dream Campaign includes helpful information on our Web site that assists homeowners who are experiencing financial difficulties or facing foreclosure, our statewide network of homeownership counselors, a second mortgage program to assist current MSHDA borrowers, and a new refinance program available to eligible homeowners.
If you are having financial problems, don’t risk losing your home - there are options available. The Save the Dream toll-free number is 866-946-7432. Operated by the Michigan State Housing Development Authority (MSHDA), the hotline directs homeowners to a homeownership counselor in their county who specializes in foreclosure prevention.
(Last checked 10/22/09)

Mortgage Insurance - Combination and Manufactured Home Lot Loans Program (CFDA 14.162)
http://www.hud.gov/offices/hsg/sfh/title/manuf14.cfm
Note: Click on Search by Program Number and enter 14.162
This program makes possible reasonable financing for the purchase of a manufactured home and a lot on which to place the home. Contact your local office of the U.S. Department of Housing and Urban Development. Look on the left-hand side of the page to search for your local field office.
Note: We are upgrading our Catalog of Federal Domestic Assistance (CFDA) web site to provide increased transparency, greater access to assistance information and to better support the American Recovery and Reinvestment Plan. The new CFDA web site will be operational by April 21st, 2009.
(Last checked 10/22/09)

Mortgage Insurance - Housing In Older, Declining Areas (CFDA 14.123)
https://cfda.symplicity.com
Note: try searching by cfda number and enter 14.123
This program helps in the purchase or rehabilitation of housing in older, declining urban areas. Contact your local office of the U.S. Department of Housing and Urban Development.
Note: We are upgrading our Catalog of Federal Domestic Assistance (CFDA) web site to provide increased transparency, greater access to assistance information and to better support the American Recovery and Reinvestment Plan. The new CFDA web site will be operational by April 21st, 2009.
(Last checked 10/22/09)

National Coalition for the Homeless
http://www.nationalhomeless.org/
Check out the Directories link for access to the 2001 Directory of National, Statewide and Local Homeless Advocacy Coalitions; Directory of National Homeless and Housing Organizations; Directory of International Homeless and Housing Organizations; Directory of Local Homeless Service Organizations; and Directory of State Contacts for the Education of Homeless Children and Youth.
(Last checked 10/22/09)

Officer Next Door Sales Program (CFDA 14.198)
https://cfda.symplicity.com
Note: try searching by cfda program Number and enter 14.198
This program strengthens America's communities by providing homeownership opportunities to law enforcement officers in HUD- designated revitalization areas, and to improve the quality of life in these neighborhoods by their presence. Law enforcement officers may purchase HUD-owned single unit properties located in designated revitalization areas at a 50 percent discount off list price. Officers must agree to occupy homes as their sole residence for a period of 3 years. The officer must also agree to execute a second mortgage and note in the name of the Department for an amount equal to the 50 percent discount. This zero interest note will gradually decrease over the 3-year mandatory residence period until it reaches zero. Should the officer leave the home before the 1st anniversary of occupancy, 90 percent of the discounted amount will be due to HUD. Departure before the 2nd anniversary of occupancy will require a 60 percent repayment, and departure before the 3rd anniversary of occupancy will require a 30 percent repayment of the discounted amount. Officers must certify initially, and once annually, for each year of the occupancy term, that he/she continues to own and live in the home as a sole residence, and that no other residential real estate is owned. Contact your local office of the U.S. Department of Housing and Urban Development.
Note: We are upgrading our Catalog of Federal Domestic Assistance (CFDA) web site to provide increased transparency, greater access to assistance information and to better support the American Recovery and Reinvestment Plan. The new CFDA web site will be operational by April 21st, 2009.
(Last checked 10/22/09)

Partners in Charity
http://www.mortgagepages.com/pic/
PIC is a non-profit organization dedicated to helping you become a homeowner. Our mission is to gift downpayments to qualified buyers and help the community as a result. PIC provides a downpayment with no repayment and no second mortgage or lien of any type. It is a true gift to you!
(Last checked 10/22/09)

Rebuilding Together
http://www.rebuildingtogether.org/
A non-profit organization theat repairs homes owned by low income senior citizens and/or low income disabled persons. Locally volunteers have helped repair 251 homes and assisted senior and disabled homeowners to live in safety, warmth and dignity. Sponsors Christmas in April, an annual volunteer workday. For more information about the program in Ingham County, call (517) 244-1118.
(Last checked 10/22/09)

Rural Assistance Center
Housing and Homeless Funding
http://www.raconline.org/info_guides/housing/
(Last checked 10/22/09)

Rural Development Online
Rural Housing Service
http://www.rurdev.usda.gov/mi/
The Single-Family Housing Program provides homeownership opportunities to low and moderate-income rural Americans through several loan, grant, and guarantee programs. The program also makes funding available to individuals to finance vital improvements necessary to make their homes look decent, safe, and sanitary.
(Last checked 10/22/09)

Rural Housing Preservation Grants Program (CFDA 10.433)
https://cfda.symplicity.com
Note: try searching by cfda number and enter 10.433 This program helps very low- and low-income rural residents individual homeowners, rental property owners (single/multi-unit) or by providing the consumer cooperative housing projects (co-ops) the necessary assistance to repair or rehabilitate their dwellings. These objectives will be accomplished through the establishment of repair/rehabilitation, projects run by eligible applicants. This program is intended to make use of and leverage any other available housing programs which provide resources to very low and low-income rural residents to bring their dwellings up to development standards. Contact your local office of the U.S. Department of Agriculture Rural Housing Service.
(Last checked 10/22/09)

Self-Help Homeownership Opportunity Program (SHOP)
https://cfda.symplicity.com
Choose cfda number and type in 14.247. To facilitate and encourage innovative homeownership opportunities through the provision of self-help housing where the homebuyer contributes a significant amount of sweat equity toward the construction of the dwellings.
(Last checked 10/22/09)

Teacher Next Door Initiative (CFDA 14.310)
https://cfda.symplicity.com
Note: try searching by cfda number and enter 14.310
This program is designed to strengthen America's communities by encouraging public and private school teachers to live in low and moderate income neighborhoods. Teachers (State-certified in grades Kindergarten through 12th grade) may purchase HUD-owned single unit properties located in designated revitalization areas at a 50 percent discount off list price. Teachers must agree to occupy homes as their sole residence for a period of 3 years. The teacher must also agree to execute a second mortgage and note in the name of the Department for an amount equal to the 50 percent discount. This zero interest note will gradually decrease over the 3-year mandatory residence period until it reaches zero. Should the teacher leave the home before the 1st anniversary of occupancy, 90 percent of the discounted amount will be due to HUD. Departure before the 2nd anniversary of occupancy will require a 60 percent repayment, and departure before the 3rd anniversary of occupancy will require a 30 percent repayment of the discounted amount.
(Last checked 10/22/09)

Top 50 U.S. Foundations Awarding Grants for Housing and Shelter:
1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007
Source: FC Stats from the Foundation Center.
(Last checked 10/22/09)

U.S. Department of Housing and Urban Development
Office of Community Planning and Development
Affordable Housing
http://www.hud.gov/offices/cpd/affordablehousing/index.cfm
http://www.hud.gov/offices/cpd/affordablehousing/programs/index.cfm
(Last checked 10/22/09)

U.S. Department of Housing and Urban Development
Office of Community Planning and Development
Homeless Assistance
http://www.hud.gov/offices/cpd/homeless/index.cfm
http://www.hud.gov/offices/cpd/homeless/programs/index.cfm
Homelessness is a problem that affects many people in America. If you are homeless yourself and need help or if you want to learn more about homelessness and how you can help, we have information for you. You can also find detailed information on HUD's homeless assistance programs on this web page.
(Last checked 10/22/09)

University Cultural Center Association
Greater Detroit Housing Development Incentive Programs
http://www.detroitmidtown.com/05/
Includes: (1) Historic Preservation Tax Credits
(2) Home Funds
(3) Woodward Corridor Development Fund
(4) Neighborhood Enterprise Zone
(5) Wayne County Urban Loan Fund
(6) U.S. Small Business Administration
(7) Michigan State Housing Development Authority
(8) Fannie Mae
(9) Historic Brush Park Facade Easement Program
(10) Detroit Empowerment Zone
(11) Wayne State University Center for Urban Affairs
(12) Michigan Capital Fund for Housing
(13) Michigan Housing Trust Fund
(14) Real Estate Assistance Fund
(15) Detroit Investment Fund
(16) AFL-CIO Housing Housing Investment Trust Fund
(17) Obsolete Property Tax Abatement
(18) City of Detroit Brownfield Redevelopment Authority
(19) Investment Tax Credits
(20) Detroit Community Loan Fund
(21) Detroit Entrepreneurial Institute
(22) Michigan Small Business Development and Technology Center
(23) Michigan McGehee Interfaith Loan Fund
(24) Detroit LISC
(25) Shorebank Enterprise
(26) National City's Nchamp Mortgage
(Last checked 10/22/09)

Very Low Income Housing Loans Program (CFDA 10.410)
https://cfda.symplicity.com
Note: try searching by cfda number and enter 10.410
This program helps very low, low-income, and moderate-income households to obtain modest, decent, safe, and sanitary housing for use as a permanent residence in rural areas. Direct and guaranteed loans may be used to buy, build, or improve the applicant's permanent residence. New manufactured homes may be financed when they are on a permanent site, purchased from an approved dealer or contractor, and meet certain other requirements. Under very limited circumstances, homes may be re-financed with direct loans. Dwellings financed must be modest, decent, safe, and sanitary. The value of a home financed with a direct loan may not exceed the area limit. Direct loans are made at the interest rate specified in RD Instruction 440.1, Exhibit B (available in any Rural Development local office), and are repaid over 33 years or 38 years for applicants whose adjusted annual income does not exceed 60 percent of the area median income, if necessary to show repayment ability. Payment assistance is granted on direct loans to reduce the installment to an effective interest rate as low as one percent, depending on adjusted family income. Payment assistance is subject to recapture by the government when the customer no longer resides in the dwelling. There is no funding provided for deferred mortgage authority or loans for deferred mortgage assumptions. Guaranteed loans may be made to refinance either existing RHS Guaranteed Housing loans or RHS Section 502 Direct Housing loans. Guaranteed loans are amortized over 30 years. The interest rate is negotiated with the lender. Contact your local office of the U.S. Department of Agriculture Rural Housing Service.
(Last checked 10/22/09)

Veterans Administration
Homeless Providers Grant and Per Diem Program
http://www1.va.gov/homeless/page.cfm?pg=3
Offered annually (as funding permits) by the Department of Veterans Affairs Health Care for Homeless Veterans (HCHV) Programs to fund community agencies providing services to homeless veterans. The purpose is to promote the development and provision of supportive housing and/or supportive services with the goal of helping homeless veterans achieve residential stability, increase their skill levels and/or income, and obtain greater self-determination.
(Last checked 10/22/09)

Veterans Home Loan Guaranty Services
http://www.homeloans.va.gov/
(Last checked 10/22/09)

The books mentioned on this page are available for public use in the Michigan State University Libraries. If you are unable to visit our library, consider visiting a Foundation Center Cooperating Collection in your home state or a local public library in your home town. If the books are not available there, ask about interlibrary loan or visit a local bookstore to find out whether they can be purchased.

Creative Sources of Funding for Programs for Homeless Families. Dorothy Siemon. Washington, D.C. : Georgetown University Child Development Center, 1990. 116pp. ERIC Microfiche Collection (2 West) ED322416.
Reviews some of the sources of funding for service agencies working with homeless families.

Federal Programs to Help Homeless People. Washington, D.C. : Interagency Council on the Homeless, 1993. 99pp. Funding Center (1 East) HV4503 .H66 1993
Lists more than 100 federal programs and activities that homeless providers can tap to help provide emergency food and shelter, transitional and permanent housing, and a vast array of supportive services. The guide describes the 21 targeted homeless assistance programs created under the McKinney Act, as well as dozens of programs that may include the homeless among their targeted audience.

WWW http://staff.lib.msu.edu/harris23/grants/