Home  News and Events

News and Events

Direct Loan Program

What is the Section 502 Direct Loan Program?

Direct Loan Program

The USDA Section 502 Direct Loan Program allows low- and very-low-income applicants to obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability.

Applicants interested in obtaining a direct loan must have an adjusted income that is at or below the applicable low-income limit for the area where they wish to buy a house and they must demonstrate a willingness and ability to repay debt.


  • No down payment requirement
  • No USDA funding fee
  • No monthly mortgage insurance
  • Property requirements apply
  • Household income and asset limits apply


Why use NMCAA as a loan packager?

NMCAA’s Budget/Housing Coaches are dedicated to helping you obtain a safe, affordable home that is right for your family! Our Homeownership Center staff will help you navigate the often lengthy and complicated application process and will support you along your journey to Homeownership. Working with a loan packager, such as NMCAA, often leads to faster application reviews and approvals.

For more information please call Allison Popa,

FMS Intake Specialist, at (231) 346-2141.

March 2017 – Benzie County Community Chest Grant Awarded

The Home Repair Program has received a $7,500 grant to provide emergency home repairs to low-income homeowners in Benzie County! We are extremely grateful to the Benzie County Community Chest Grant Committee and donors for their generosity. To request an application for assistance, please contact Leslie Casselman via email or at the Traverse City office at (231) 346-2131.

January 2017 - Cherryland Cares Grant Awarded

The Home Repair Program has received a $5,000 grant to provide emergency home repairs to low-income homeowners in Benzie, Grand Traverse, Kalkaska, Leelanau and Wexford Counties! Veterans and their families as well as Cherryland Electric customers are being given preference to receive these repairs, however anyone residing in the targeted counties with an emergency repair concern are welcome to apply!

We would like to express our sincere gratitude to Cherryland Electric Cooperative for making this available and its members for contributing towards this program by rounding up their bills each month to the nearest whole dollar amount. To request an application for assistance, please contact Kelsey Hyde via email or at the Traverse City office at (231)346-2131.

Homeless Awareness Week, Nov. 12-20, 2016

The well-known visual cues of homelessness are not often on display in Northern Michigan, but human service providers say the issue affects hundreds of people yearly in the region.  Read more.

NMCAA Celebrates NeighborWorks Week, Hosts Community Cleanup

A street clean-up, community yard sale and a  lot of fun.  It was all part of celebrating NeighborWorks Week in Traverse City.  Via 9 & 10 News.

NMCAA Hosts Community Planting and Picnic Event

The Petoskey office hosted a flower planting event to beautify a future home site at 36 Bridge Street in Petoskey.  9 & 10 News Coverage.

June is National Homeownership Month 

Homebuyer Education Workshops are provided on a monthly basis in each of the three offices.  As an employee of the agency, attendee of a two-night homebuyer education workshop, and recent a first-time homebuyer, Carrie tells her story.

2010 Housing Counseling Agency of the Year

NMCAA Receives "2010 Housing Counseling Agency of the Year" Award

Northwest Michigan Community Action Agency (NMCAA) was named the 2010 Housing Counseling Agency of the Year by the Michigan State Housing Development Authority.  This award highlights the comprehensive housing counseling program for first-time homebuyers, Earned Income Tax Credit education and preparation, and Individual Development Accounts, in addtion to the agency's participation in National Foreclosure Mitigation Counseling, the American Recovery and Reinvestment Act funding and the administration of a 5 county Community Development Block Grant programs for home repairs, along with many more programs.

Through the 36 year history, NMCAA has been dedicated to the improvement and self-sufficiency of families.  This is accomplished by assisting residents to solve community problems as well as meet their individual needs through case management counseling, advocacy, group participation, and service provision.  This award embodies the hard work and didication of a quality staff and program.