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Home Repair/Rehabilitation

Home Repair Program for Benzie/Charlevoix/Emmet/Grand Traverse/Kalkaska/Missaukee/Wexford Counties

The Community Development Block Grant (CDBG) program and the Home Investment Partnership Program (HOME) offer 0%-interest loans for home repairs. These programs do not require a credit check and the repayment schedule is based on the income of the household. In most cases the loans are 50% forgiven after 5 years. Because the funds are federal, the program is required to bring the entire house up to HUD standards for health and safety. When emergency funding is available, if there is one major issue to the house and all other systems, etc. are working properly, the committee can decide to make one “emergency” repair to the home and leave everything else as is.

Eligible repairs include but are not limited to:

  • Installing or repairing well and septic systems
  • Providing energy conservation
  • Replacing ranges and refrigerators with Energy Star appliances
  • Repairing or replacing heating systems or electrical wiring
  • Repairing structural supports and foundations
  • Repairing or replacing a roof
  • Replacing deteriorated siding or porches
  • Altering a dwelling interior or exterior for handicap accessibility
  • Making bedroom additions to a dwelling to alleviate overcrowding or remove health hazards
  • Plumbing repairs
  • Lead Paint Remediation

You may be eligible for the program if you satisfy the following criteria:

  • You live within the targeted areas of the program (call for further details)
  • You own your home, or are buying it through a mortgage or land contract
  • You have lived in your home for at least one year
  • You are current on your mortgage payments, property taxes and have current property insurance
  • You have equity in the home to support the loan for the repairs (some exceptions apply)
  • The necessary repairs do not exceed the maximum loan amount
  • Your income is under 80% of the Area Median Income
  • You do not have any financial judgements that threaten ownership of the home

Cherryland Cares Grant

Funding for emergency repairs has been made available through Cherryland Electric using their Cherryland Cares Grant. Preference for these funds will be given to veterans and their families but anyone who meets the following criteria may be eligible:

  • Your income is under 80% of the Area Median Income
  • Your home is located in a Cherryland Electric service area
  • The repair needed poses an immediate health or safety concern

Property Improvement Program/PIP-Plus

The PIP/PIP-Plus programs are loan programs through the Michigan State Housing Development Authority (the region’s PIP agent is Leslie Casselman in NMCAA’s Traverse City office).

Household income maximum guideline is $105,700, regardless of family size.

The interest rate is determined by the household income, and ranges from 4-8%. The loan can be amortized over 20 years and the minimum credit score is 620. This program allows the homeowner to hire his or her own contractor to complete the work, whereas with the CDBG and HOME programs, NMCAA staff writes a specification and assists with soliciting multiple bids.

The maximum loan amount is $50,000.00 but is dependent on equity. For a manufactured or mobile home in a “park” the maximum amount is $7,500.00.

For details on applying for any of these programs call (800) 632-7334 or e-mail Kelsey Hyde at This institution is an equal opportunity employer, provider and lender. *The hearing impaired should contact us through the Michigan Relay Center at (800) 649-3777.

This page last updated on 1/24/2017.

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