Support for Your Financial Plans

Northwest Michigan Community Action Agency | Homeownership and Financial Center

What Homeownership and Financial Center Offers

Without a doubt, NMCAA understands that people seek financial empowerment for various reasons. Therefore, we’re here to help you right where you are. Above all, our Homeownership and Financial Center team commits themselves to helping you achieve your goals, offering a wide array of programs, from budget workshops to home-buying assistance. Furthermore, we’re here to support you every step of the way. Receive homeownership assistance today!

Homebuyer Education

Learn More about Homebuyer Education

When you’re ready to make the biggest purchase of your life, our Homebuyer Education program guides you through the process. Specifically, our coaches teach you how to select the right realtor, bank, budget, and home. Moreover, you’ll learn everything necessary to prepare for purchasing your first home. Upon completion, you’ll receive a certificate to share with your lender. Additionally, scholarships are available.

Homebuyer Coaching

Learn More about Homebuyer Coaching

NMCAA welcomes you to HUD approved homebuyer education courses that supports you through every stage of the purchasing process. Whether you’re in the beginning stages of considering homeownership and need help navigating the right loans, improving your credit score, getting pre-approved with a bank, or finding your dream home, Homebuyer Coaching is right for you!

Pre and Post Purchase Coaching

Learn More about Pre and Post Purchasing Coaching

Our coaches meet with you to ensure you’re fully prepared for the closing process of your first home. Afterward, we continue to work with you to address any unexpected expenses that might arise. Ultimately, our goal is to make sure you’re ready for homeownership both before and after your purchase.

Foreclosure

Learn More about Foreclosure

If you’re facing foreclosure or falling behind on your property taxes, our coaches are here to help. We work directly with your lender or county tax department to explore your options. Don’t wait—reach out to NMCAA as soon as you notice payment difficulties.

Down-payment Assistance Program

Learn More about Down-payment Assistance Program

Our Down Payment Assistance (DPA) Program provides a 0% deferred loan that you must repay in full whenever the home’s title or ownership transfers. Participants must meet all program requirements to qualify. Additionally, DPA can be combined with our Individual Development Account (IDA) Program. Discover homeownership assistance today.

Rental Coaching

Learn More about Rental Coaching

Want to explore renting? We encourage you to consult us before signing a lease. After all, renting involves more than meets the eye, from understanding lease terms to knowing your rights as a renter.

Financial Center

After all, budgeting plays crucial role in everyone’s financial success. Whether you want to save for a home or break free from living paycheck to paycheck, budgeting provides an effective way to reach your goals.

NMCAA’s Financial Center helps you achieve your financial goals with expert guidance and support. Our HUD Certified Budget/Housing Coaches undergo continuous training to stay current with the latest information. In doing so, they set you up for a life of financial independence. As well as that, by working with our coaches, you’ll identify your financial goals, such as improving your credit, eliminating debt, or developing a monthly budget. Begin your homeownership and financial journey today!

Money Management Workshops

Learn More about Money Management Workshops

First and foremost, our Money Management Workshops cover a variety of topics, including budgeting, exploring different types of banks and accounts, reducing debt, understanding credit scores, and managing student loans. Additionally, scholarships are available for those who qualify based on income.

Budget Coaching

Learn More about Money Budget Coaching

Most importantly, our coaches work with you. We keep you on track with your budgeting goals. Each session is personalized to ensure your specific goals are being met. Plus, we offer scholarships and free classes. Find which type of workshop works for you as well as meets your needs.

Family Self-Sufficiency

Learn More about Family Self-Sufficiency

The Family Self-Sufficiency Program (FSS) offers an innovative, voluntary program that helps Michigan State Housing Development Authority (MSHDA) housing voucher participants achieve economic independence over five years. Participants work closely with a case manager throughout the program.

Individual Development Account Program

Learn More about Individual Development Account Program

Let’s kickstart your bank account with our Individual Development Account (IDA) Program that supports those planning to attend college or an accredited certification program, start or grow a small business, or save for a down payment, closing costs, or principal reduction for a home purchase. Your goals are our priority. Discover financial assistance today.

Free Tax Preparation

Learn More about Free Tax Preparation

In fact, Northwest Michigan Community Action Agency provides a tax program to assist eligible community members. To further our reach, we have partnerships with other organizations, as well as offering additional resources to ensure you get the help you need; serving 10 counties throughout Northwest Michigan.