Homeownership Center
Home Guidance
In fact, the Housing and Urban Development (HUD) and Michigan State Housing Development Authority (MSHDA) approve Northwest Michigan Community Action Agency’s Homeownership and Financial Empowerment programs. Firstly, our programs actively help individuals and families achieve housing and financial stability. Secondly, during coaching, we guide clients in obtaining as well as maintaining safe, affordable housing, ensuring their goals become a reality. Lastly, our Homeownership Center dedicates itself to helping you with Homebuyer Education, Homebuyer Counseling, Pre and Post Purchase Counseling, Foreclosure Education, Downpayment Assistance Program and Rental Counseling.
What we do
Above all, NMCAA’s Homeownership Center actively supports you in achieving your housing goals through comprehensive guidance. Furthermore, our HUD Certified Budget/Housing Counselors continuously undergo extensive training, ensuring they remain informed on the latest developments. Consequently, they can effectively guide you through your housing decisions. When you work with our coaches, you will gain a thorough understanding of the homebuying and homeownership process. As a result, you will be well-prepared for all outcomes as a homeowner.
Homebuyer Education
Learn More about Homebuyer education
Our counselors will teach you about the process of selecting the right realtor, bank, budget, home, and more to ensure you are ready to purchase your first home. You will receive a certificate upon completion to share with your lender! Scholarships are available. Pricing for workshops is $75 for zoom workshops per household as well as $75 for in-person workshops per household. The self-paced workshops are $100 per household. Check events for detailed days and times.
Homebuyer Couseling
Learn More about Homebuyer Counseling
Get guidance from HUD Certified Counselors before making the biggest investment of your life. For $75, our workshops are offered monthly and can be taken from the comfort of your own home or at one of our locations.
E-Home Self-Paced Workshops
Learn More about E-Home Self-Paced
These self-paced courses cover the same material yet give you the flexibility to finish on your own schedule. In fact, this workshop is structured as a self-paced option. NMCAA has partnered with eHome America to offer Homebuyer Education for a fee of $100.
Pre and post Purchase Counseling
Learn More about pre and post purchase counseling
Our counselors will meet with you to make sure you are prepared for the closing process of your first home and then work with you after you have closed. Their goal is to make sure that you are prepared for any unexpected expenses.
Foreclosure Education
Learn More about Foreclosure Education
Are you facing foreclosure or are you late on your property taxes? Our counselors are here to help you! We will work with your lender or county tax department to work through your options. Do not wait, reach out to NMCAA as soon as you start to fall behind on your payments.
Downpayment Assistance Program
Learn More about Down Payment Assistance
The Down Payment Assistance Program (DPA) Program is a 0% deferrable loan that must be paid back in full at any transfer of title/ownership of the home. Participants must meet all program requirements to be awarded. DPA may be combined with our Individual Development Account (IDA) Program.
Rental Counseling | Rental Assistance Program
Learn More about rental counseling
You’ve decided that renting is the housing route for you – but before you sign the lease on that apartment, duplex, or townhouse, do yourself a favor and call us. There’s a lot more to renting than meets the eye – from the intricacies of a lease to your rights as a renter. Learn more about Rental Counseling.
Contact Us
Are you not ready to purchase a home? Learn about our FREE budget counseling here! To learn more about our Homeownership Center, please call, text 231-714-4587 or email.
Homeownership and Financial Center
NMCAA is committed to making financial education and home counseling available for low to moderate income households to achieve financial self-sufficiency.
Homeownership and Financial Center
NMCAA is committed to making financial education and home counseling available for low to moderate income households to achieve financial self-sufficiency.