Community Services>Financial Management Services

• Down payment on a first home
• Tuition for college or vocational training
• Small business start-up or expansion

To be eligible for the Program, you must:

• Agree to save an average of at least $20 per month from your earned income.
• Agree to complete an educational series on financial management and asset planning.
• Agree to meet other IDA Program requirements as described by NMCAA's IDA Counselor.
• Show proof of your earned income that meets the income eligibiliy guidelines (i.e., a family of 4 can have an annual household income of up to $46,100 and be eligible).

For more information on the IDA Program, call (231) 947-3780 or (800) 632-7334. To fill out a potential IDA application, click the "Printable IDA Application" link below. Once the potential application is filled out completely, you can deliver, mail, or fax it to NMCAA.

Archer Full Throttle

Angelia Cranney

IDA 100th Successful Participant

Read her story here.

FMS staff offers Financial Management workshops and individual counseling which help participants learn how to manage their personal finances.

The Financial Management workshops are offered monthly and cover the following topics:

• Setting Financial Goals
• Taxes and Insurance
• Budgeting Ideas
• Credit and Credit Repair
• Banks and Financial Institutions
• Staying Financially Fit

A schedule of the Financial Management workshops can be found on the Community Services Calendar.

Individual Budget Counseling involves one-on-one personalized sessions in which a Counselor will help a customer prepare a household income analysis and establish a money management and bill paying plan.

If you are interested in finding out more about NMCAA's Budget Counseling Services, call (231) 947-3780 or (800) 632-7334.

FMS provides Pre-purchase classes for new home buyers, home purchase education, and counseling.

We offer FREE 2 night homebuyer workshops. A schedule of workshops can be found on the Community Services Calendar or by clicking the link for your area at the bottom of this page.

NEW:  NMCAA has partnered with eHome America to offer homeownership education online.  To access the web-based class, please visit www.ehomeamerica.org/nmcaa.  The cost is $50.  Upon completion of the web-based course, a Certificate of Completion can be mailed to you.

For more information on Homeownership Counseling, call (231) 947-3780 or (800) 632-7334.

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The Kotarski's participated in the IDA Program through NMCAA and became successfull home owners.  Read their story at midap.info.

FREE HOME MAINTENANCE WORKSHOPS

OFFERED IN PETOSKEY AND MANCELONA

Please call for information on workshop topics, dates and times.

Petoskey and Mancelona Registration;

Call 800-443-5518 or 231-347-9070

Day Care MAY BE available upon request, call us!