If you are falling behind on your mortgage, looking to buy a home or facing an eviction notice, Michigan has specific programs, as listed below, that are designed to help you stay in your home. Most of this support is coordinated through government certified HUD agencies or the Michigan State Housing Development Authority (MSHDA). They are HUD-approved agencies that can help you apply for State Emergency Relief (SER) through the MDHHS or access other support. Struggling residents may be able to access one-time cash payments to stop foreclosures or tax sales, typically for households earning at or below 200% of the Federal Poverty Level.

Counselors at these nonprofits act as your advocate when dealing with your bank or lender. They understand the "levers" of the Michigan Foreclosure Prevention Project and can help you perform a deep dive into your finances to see if you qualify for a loan modification or a state-funded grant. Working with these certified experts is often the most effective way to get a lender to pause the legal foreclosure process and negotiate a repayment plan that fits your actual income.

Michigan Regulatory & Financial Assistance Links

State Emergency Relief (SER) Portal: This can help with home loans / a mortgage. with more details about SER at https://www.michigan.gov/mdhhs/assistance-programs/emergency-relief.. We also have a guide to the Michigan SER program as well.
Michigan State Housing Development Authority (MSHDA): MSHDA is the state oversight body for HUD-certified counselors. Residents facing foreclosure or eviction can access the Housing Education Locator for regional program availability at https://www.michigan.gov/mshda.
Michigan Energy Assistance Program (MEAP/LIHEAP) is focused on utility bills, but can help struggling homeowners too.: https://www.michigan.gov/mdhhs/assistance-programs/liheap
Michigan 2-1-1 Crisis Referral: The referral site, which is free to use is at https://www.mi211.org/.
HID Database: The federal government has a link to various HUD programs as well - including homebuying, foreclosure prevention and others at http://www.hud.gov/states/michigan.

Michigan Housing Stability & HUD Counseling Directory

These agencies are certified to provide free or low-cost foreclosure prevention, rental assistance, and credit counseling.

Detroit & Southeast Michigan

Abayomi Community Development Corporation, 24331 W 8 Mile Rd, Detroit, Michigan 48219. Call 313-541-9828
Amandla Community Development Corporation, 7707 W Outer Dr, Detroit, Michigan 48235. Call 313-347-2829
Bridging Communities, 6900 McGraw St, Detroit, Michigan 48210. Call 313-361-6377
Central Detroit Christian CDC, 1550 Taylor St, Detroit, Michigan 48206. Call 313-873-0064
Detroit Hispanic Development Corporation, 1211 Trumbull St, Detroit, Michigan 48216. Call 313-967-4880
Family Tree, Inc., 615 Griswold St Ste 700, Detroit, Michigan 48226. Call 313-962-0038
Gesher Human Services, 29699 Southfield Rd, Southfield, Michigan 48076. Call 248-233-4299
GreenPath Financial Wellness, 2470 Collingwood St, Suite 106, Detroit, Michigan 48206. Call 888-860-4213
GreenPath Financial Wellness (HQ), 36500 Corporate Dr, Farmington Hills, Michigan 48331. Call 888-860-4167
Habitat for Humanity Huron Valley, 950 Victors Way, Suite 50, Ann Arbor, Michigan 48108. Call 734-677-1558
Matrix Human Services, 13560 E McNichols Rd, Detroit, Michigan 48205. Call 313-526-4000
Michigan State University Extension, 705 N Zeeb Rd, Ann Arbor, Michigan 48103. Call 734-997-1678
Michigan State University Extension, 1360 Oakman Blvd, Detroit, Michigan 48238. Call 313-494-4965
National Faith Homebuyers, 615 Griswold St, Detroit, Michigan 48226. Call 313-255-9500

West Michigan

Community Action House, 739 Paw Paw Dr, Holland, Michigan 49423. Call 616-392-2368
Community Encompass, 1105 Terrace St, Muskegon, Michigan 49442. Call 231-728-3117
ICCF Community Homes, 415 Franklin St SE, Grand Rapids, Michigan 49507. Call 616-336-9333
Neighborhoods Inc. of Battle Creek, 47 N Washington Ave, Battle Creek, Michigan 49017. Call 269-968-1113

Central & Northern Michigan

Blue Water Community Action, 3403 Lapeer Rd, Port Huron, Michigan 48060. Call 810-982-8541
Capital Area Housing Partnership, 600 W Maple St, Lansing, Michigan 48906. Call 517-332-4663
Community Action Agency (Adrian), 400 W South St, Adrian, Michigan 49221. Call 517-263-7861
GreenPath Financial Wellness, 315 W Lake Lansing Rd, Suite 400, East Lansing, Michigan 48823. Call 866-217-7150
Habitat for Humanity Michigan, 618 S Creyts Rd Ste A, Lansing, Michigan 48917. Call 517-485-1006
Housing Services Mid Michigan, 319 S Cochran Ave, Charlotte, Michigan 48813. Call 517-541-1180
Northern Homes CDC, 1048 E Main St, Boyne City, Michigan 49712. Call 231-582-6244
Northwest Michigan Community Action Agency (NMCAA), 3963 N Three Mile Rd, Traverse City, Michigan 49686. Call 231-947-3780
Northwest Michigan Community Action Agency (NMCAA), 1640 Marty Paul St, Cadillac, Michigan 49601. Call 231-775-9781
Northwest Michigan Community Action Agency (NMCAA), 2240 Mitchell Park Dr. Suite A, Petoskey, Michigan 49770. Call 231-347-9070

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