Regardless of which County you live in, please check towards the bottom of the page for even more
resources you may be eligible for esp. if you have a FHA Loan, Fannie Mae or Freddie Mac Loan.
are ill, your child is ill or if you have a chronic condition!
If payment arrangements with the landlord or mortgage company cannot be made, Rent and Mortgage Payment Assistance Programs may be able to assist people with their rent or mortgage payments if
they meet eligibility requirements.
Depending on the distribution of government funding, Community Action Agencies may also be able
to provide financial assistance for utility bills that have been or are at risk of being shut off (look under
You may also want to check with your House of Worship as many do have a separate fund for emergencies like this. Please do NOT call Houses of Worship you do not attend or belong to! This help is usually for church MEMBERS or REGULAR ATTENDERS. It is unreasonable to expect to receive help if you are not a member and do not contribute to the center with your time, talents and tithes!
Department Of Human Services (D.H.S.)
State Emergency Relief funds may be used for S.E.R. rent/security deposits may be approved to prevent eviction, set up a residence for a homeless household, establish a suitable home for children, and establish
a suitable home for the group because of domestic violence or a natural disaster. Apply at your local office.
NEW Non-Profit beginning in June 2012! JUST ADDED 5/10/2012
Sisters Outreach Services
825 W. 9 Mile Road
PO Box 20602
Ferndale MI 48220
Phone: 248-544-8401
Provides help with Rent, Utilities, Transportation (to and from work), Literacy Coaching and Budget Classes and basic work skills. Open to those in Wayne, Oakland, and Macomb counties and you must be employed.
AARP Reverse Mortgage Education Program
Phone: 888-OUR-AARP
This program offers in-dept information on financial options for turning your home equity into cash.
To order the consumer guide "Home Made Money", call the number above.
Michigan Veterans Trust Fund
Phone: 313-899-1162 Wayne County
248-655-1265 Oakland County
Serves Veterans and spouses of deceased veterans. If you are a veteran with at least 6 months
of wartime duty, you may qualify for financial assistance.
Wayne County Veterans Affairs / Soldiers & Sailors Relief
Phone: 313-224-8163 OR 313-224-1862
248-858-0785 Pontiac office
248-655-1250 Troy office
Serves Veterans and spouses of deceased veterans. If you are a veteran with any wartime service
and an honorable discharge, you may qualify.
Hemophilia Foundation of Michigan
1921 W. Michigan Ave.
Ypsilanti MI 48197
Phone: 734-544-0015 OR 800-482-3041
Emergency financial aid programs including rent, for those affected by hemophilia, von Willibrand,
other coagulation disorders, hepatitis, HIV or AIDS whose bleeding disorder impacts their income.
for information. Must not have received aid from this organization for the past 12 months.
METRO DETROIT & DETROIT (WAYNE COUNTY)
The organizations listed below may provide assistance with security deposits and/or the first month's rent
if funding is available. Contact each agency for more information. Contact each agency for more information and eligibility requirements!
Wayne Metropolitan Community Action Agency JUST UPDATED 4/28/2012
Administrative Office:
2121 Biddle Ave.
Wyandotte MI 48192 Does NOT service the City of Detroit.
Phone: 734-284-6999 Ext. 126
Wayne Metro is administering the Homeless Prevention and Rapid Re-Housing Program (HPRP)
on behalf of the Out Wayne Homeless Services Coalition. The purpose of the program is to provide
short-term housing relief for individuals and households suffering from the current economic conditions. Assistance is available for two groups of people: those on the verge of homeless and those currently homeless. The program is intended for those that are currently in need but have a self-sufficiency plan
than can be fulfilled within 3 months. Assistance can be in the form of rental arrearages (if it will prevent
an eviction) and rental assistance payments for up to 3 months. Security deposit assistance is available
for homeless individuals. Mortgage payments are not permitted. Income and other eligibility requirements
will apply to all applicants.
AND
The agency was one of just two recipients in Michigan to receive funding for the Supportive Services for Veteran Families (SSVF) Program through the Veterans Administration. Wayne Metro was awarded $590,000 for the first year of the program, and we expect it to be a 3 year project. The program will assist veterans
and their families with temporary financial assistance to move into permanent housing as well as connecting them with various community resources. Wayne Metro applied for the grant in partnership with Monroe County Opportunity Program to serve veterans living in Wayne County and Monroe County. Southwest Counseling Solutions was also awarded funding to serve Detroit, Highland Park and Hamtramck.
Residents of Out-Wayne County should call:
(734) 284-6999
Residents in Monroe County should call:
(734) 241-2775
Residents of Detroit, Highland Park & Hamtramck should call: (313) 963-6001
ACCESS
2651 Saulino Ct.
Dearborn MI 48120
Phone: 313-842-7010
St. Vincent De Paul
Phone: 1-877-788-4623
Serves Wayne County.
Jewish Family Service/Housing Association
6555 West Maple Road
West Bloomfield, MI 48322
AND
25900 Greenfield Suite 405
Oak Park MI 48237
Salvation Army
Check website for your areas office!
Detroit's Friendship House
9540 Conant Street
Hamtramck, MI 48212
Phone: 313-871-7443
Serves Hamtramck and nearby Detroit neighborhoods.
Birmingham Community House
Phone: 248-644-5832
Services Birmingham residents
Health Emergency Lifeline Programs JUST ADDED 4/9/2012
(H.E.L.P.)
1726 Howard Street
Detroit MI 48216
Phone: 313-832-3300 OR 888-435-5655
May help with emergency or short-term assistance for security
deposit & 1 month rent or past due rent/mortgage payments.
The agency advocates for appropriate long-term housing support
including subsidized and supportive housing options. Must have
HIV/AIDS and/or Hepatitis C.
LENAWEE COUNTY
Community Action Agency UPDATED 3/21/2012
400 West South
Adrian MI 49221
Phone: 517-263-7861 OR 800-438-1845
Rental assistance, homelessness prevention and counseling.
Lenawee Emergency and Affordable Housing Corporation / Homeless Prevention
P.O. Box 692
307 E. Church Street JUST ADDED 3/21/2012
Adrain MI 49221
Phone: 517-264-0782
LEAHC may assist with first month's rent, past due rent and mortgage foreclosure. an in-depth assessment is made regarding a client's financial and housing situation. This program provides case management, client outreach, landlord mediation, budgeting, housing search and referrals along with other support services. The goal of this program is to prevent or reduce the amount of time a household is homeless and support self-reliance. Other housing programs are also available!
Faith in Action
603 S. Main
Chelsea MI
Phone: 734-475-3305
MACOMB COUNTY
Macomb County Community Services Agency
Administrative Office:
21885 Dunham Road, Suite #10
Clinton Twp., MI 48036
Phone: 586-469-6999
AND
North Action Center:
58144 Gratiot
New Haven MI 48048 (closed Tuesdays)
Phone: 586-749-5146
Northern Macomb Area including Armada, Bruce Twp., Chesterfield Twp. (north of 23 Mile Road), Lenox, Macomb Twp. (north of 23 Mile Road), Memphis, New Baltimore (north of 23 Mile Road), New Haven, Ray, Richmond, Romeo, Shelby Twp. (north of 23 Mile Road) or Washington Twp.
AND
Central Macomb Area Center:
18 Market Street, Suite C
Mount Clemens, MI 48043
Phone: 586-469-6964
Chesterfield Twp. (south of 23 Mile Road), Clinton Twp., Fraser, Harrison Twp., Macomb Twp. (south of 23 Mile Road), Shelby Twp. (south of 23 Mile Road), St. Clair Shores, Sterling Heights, or Utica.
AND
Southern Macomb Area Center:
22856 Ryan Road
Warren MI 48091
Phone: 586-759-9150
Roseville, Center Line, Eastpointe or Warren
Provides rent and/or mortgage assistance
See also Chaldean American Ladies of Charity above under Metro Detroit & Wayne County!
MONROE COUNTY
Please see Wayne-Metro Community Action Agency under Metro Detroit & Wayne County
for a NEW program for Veterans!
Department of Human Services / D.H.S.
903 South Telegraph Road
Monroe MI 48161
Phone: 734-243-7200
Assistance for first month's rent for qualifying individuals is based on need and household size. (100%
of poverty and demonstrated ability to pay the rent in the future). Also available is State Emergency Relief
Funds with a lifetime cap of $2000 (see the top of the page).
Monroe Community Opportunity Program (M.C.O.P.)
1040 S. Telegraph
Monroe MI 48161
Phone: 734-241-2775 #203 Delinquent taxes dial #225
Assistance with first month's rent for qualifying individuals or mortgage payment. Must meet qualifying income levels, have a "decision notice" from DHS, and demonstrated ability to pay the rent or mortgage
in the future. There is a Supportive Housing Program that enrolls individuals and famiies for a two-year period of rental assistance for disabled , homeless individuals. Typically must participate in budget and housing training program. Periodically has assistance for help in paying delinquent property taxes for
those that qualify. .
The Salvation Army
815 East First Street
Monroe MI 48161
Phone: 734-241-0404
Assistance with first month's rent or mortgage payment for qualifying individuals. Eligibility
is based on income and demonstrated ability to pay the rent or mortgage in the future.
The Salvation Army Harbor Light
3580 South Custer Road
Monroe MI 48161
Phone: 734-242-5050
Limited assistance for individuals who have completed the in-patient program.
Monroe Community Mental Health
1001 South Raisinville Road
Monroe Mi 48161
Phone: 734-243-7340
First month's rent may be available through the Balance of State Fund through the State for persons
with a documented diagnosis of a mental illness.
Veteran's Trust Fund
29 Washington Street
Monroe MI 48161
Phone: 734-240-7359
Limited assistance to veterans who have had wartime service. Must have eviction notice and ability to
pay in the future.
Council of Churches
C/O Randy Umfress
Phone: 734-777-0917
Limited, one-time assistance.
St. Michael's & St. Vincent dePaul
510 West Front Street
Monroe MI 48161
Phone: 734-241-8645
Limited assistance with rent or mortgage payments, typically paying only a small portion.
St. John's & St. Vincent dePaul
511 South Monroe Street
Monroe MI 48161
Phone: 734-241-8910
Limited assistance with rent or mortgage payments, typically paying only a small portion.
St. Mary's & St. Vincent dePaul
127 North Monroe Street
Monroe MI 48162
Phone: 734-241-9067
Limited assistance with rent or mortgage payments, typically paying only a small portion.
Monroe Missionary Baptist
14260 S. Dixie Hwy.
Monroe MI 48161
Phone: 734-241-6860
Limited assistance with rent or mortgage payments, typically paying only a small portion.
OAKLAND COUNTY
Rochester Area Neighborhood House (RANH)
1234 Inglewood
Rochester MI 48307
Phone: 248-651-5836
Helps prevent evictions.
Jewish Family Services/Housing Association of
Metropolitan Detroit / Jewish Family Service
27777 Franklin Road Suite #170
Southfield MI 48034
Phone: 248-592-2300 OR 800-458-0404
AND
6555 W. Maple Road
West Bloomfield MI 48322
Phone: 248-592-2300
Neighbor for Neighbor
P.O. Box 235
Davisburg, MI 48350
AND
HART Community Center
495 Broadway
Davisburg MI
Phone: 248-634-0900
Housing assistance that services Davisburg, Groveland,
Holly, Rose, Springfield and parts of Independence Twp.
and Whilte Lake Twp.
Oxford/Orion FISH
487 First Street
Oxford Twp., MI 48371
Phone: 248-628-3933
In consort with other agencies, serves those in need
in a very specific geographic area which includes the
villages of Oxford, and Lake Orion and their townships,
parts of Leonard, Lakeville, Addison and Oakland
townships. Financial assistance to help pay eviction
notices.
Oakland Livingston Human Service Agency
Central Office:
196 Cesar E. Chavez Ave.
PO Box 430598
Pontiac, MI 48343
Phone: 248-209-0598
AND
South Office:
345 E. Nine Mile Road
Ferndale MI 48220
Phone: 248-542-5860
OLHSA can provide assistance with property taxes
for low-income persons. Possibly may help with
other expenses if funding allows.
Open Door Outreach
7170 Cooley Lake
Waterford MI 48327
Phone: 248-360-2930
Troy People Concerned
2045 Austin Drive
Troy MI 48083
Phone: 248-528-9199
Community Services of Oakland
345 East Nine Mile Road
Ferndale MI 48220
Phone: 248-542-5860
Financial assistance for property taxes is available for low-income residents of Southern Oakland County.
Other resources must be exhausted and eligibility for State Emergency Relief determined by the Dept. of
Human Resources. Call for further info and to make an appointment.
Lighthouse Community Development & Emergency Services
Administrative Office:
PO Box 430509
46156 Woodward Ave.
Pontiac MI 48342
Phone: 248-920-6200
WASHTENAW COUNTY
Catholic Social Services of Washtenaw County
4925 Packard Road
Ann Arbor, MI 48108-1521
Phone: 734-971-9781
Homelessness prevention for older adults and at-risk families.
The Salvation Army of Washtenaw County
100 Arbana Drive
Ann Arbor MI 48103
Phone: 734-668-8353
Saline Area Social Service Inc.
131 E. Michigan Avenue
Saline MI 48176
Phone: 734-429-4570
Housing assistance.
PAY FEWER TAXES ON YOUR HOME!
step-by-step instructions, or request an appeal form from your municipal tax assestment office. In most cases, you will be given a date in March to appear before your local Board of Review, which is a committee appointed by the City officials to vreview tax assessment appeals. If you disagree with the board's decision, you can appeal further to the state tax tribunal.
FORECLOSURE RESOURCES
D.H.S. Home Ownership Services may help prevent loss of a home, providing services
such as:
1. House payments (mortgage or land-contract payments), including principal, interest, legal and
escrow for taxes and insurance.
2. Property taxes and fees
3. Mobile home lot rent for owners or purchasers of mobile homes
4. Insurance coverage required by a mortgage or land contract
The lifetime Home Ownership Services maximum is $2000. The lifetime maximum is the combined
cumulative total of all home ownership service payments. Home Ownership Services cannot be approved
if the the emergency was client-caused. The total amount of taxes past due for all years does not exceed $2000. A client-caused emergency is when an SER group fails to pay required payments for the six-month period prior to the month of application. Good cause may exist (except for property taxes) as a basis for an applicant's failure to prevent an emergency. Only a DHS Specialist can accurately determine your eligibility for this program. Ask for details when turning in a completed application at your local DHS State office.
Michigan State Housing Development Authority Homeownership Refinance Programs (MSHDA)
The purpose of this new refinance program is to assist individuals who currently have an adjustable
rate mortgage and would like to obtain a fixed-rate loan in order of creating housing expense certainty.
The current rate on the adjustable loan must be increasing and/or projected to increase, thus dramatically raising owners housing expense. MSHDA income limits apply and are available online at www.michigan.gov/mshda
ALSO: Click on the Home Improvement Link for more assistance in financing repairs to your home or weatherization.
MAKING HOME AFFORDABLE
1. You do NOT have to miss a payment to qualify for the U.S. Home Affordable Modification Program,
known as HAMP.
2. Under HAMP, a bank is not to froceed with a foreclosure sale until a borrower has been evaluated
for HAMP, and if eligible, an offer has been made.
3. Housing counselors and lenders can tell you of other programs, or payment alternatives.
4. Housing counselors are certified to give free adviced about finances and are to know what they're
doing. Housing counselors may also refer borrowers to other free legal services.
Wayne, Oakland Macomb and Washtenaw counties work with United Way for S.E. Michigan, legal services and local housing and credit counselors and others to help people facing foreclosure.
In Macomb County: go to www.fightmortgageforeclosure.com/macomb OR call the Macomb County Foreclosure Intervention and Neighborhood Stabilization Collaborative at 586-469-6430 OR 586-307-8289
County Foreclosure Intervention Collaborative at 734-222-9595.
S.E. Michigan Regional Foreclosure Intervention & Neighborhood Stabilization Collaborative (FINSC)
Phone: 800-552-1183 OR call 2-1-1
Serves Wayne, Washtenaw, Macomb and Oakland counties. Free help to save your home! You will be connected with a certified, experienced counselor who can work with you to determine the best course
of action to help you avoid foreclosure. Enter your information on the secure, confidential website and
you will be contacted by a certified, experienced housing counselor who will work with you and inform
you of options available to help you avoid foreclosure.
The Michigan Poverty Law Program (MPLP)
220 East Huron Street Suite 600A
Ann Arbor MI 48104
Phone: 734-998-6100
The Michigan Poverty Law Program is a cooperative effort of Legal Services of South Central Michigan
and the University of Michigan Law School. Part of the Michigan Foreclosure Prevention Project!
Wayne County Treasurer's Office
400 Monroe 5th Floor
Detroit MI 48226
Phone: 313-833-2948 OR 877-693-6199
Has programs to help with late property taxes.
AND
Wayne County Mortgage Foreclosure Prevention Program (MFPP)
640 Temple
Detroit MI 48201
OR
Downriver Community Conference Building
15100 Northline
Southgate MI 48195
Phone: 734-284-8504 OR 877-693-6199
The MFPP, with reputable lenders and non-profit agencies, assist county residents in foreclosure or
at risk for foreclosure with counseling, referrals and support services to manage and prevent foreclosure. FREE for Wayne County residents!
Southwest Housing Solutions
Administrative Office:
1700 Waterman
Detroit MI 48209
Phone: 313-841-8905
AND
Housing Center
1920 25th Street
Detroit MI 48216
Phone: 313-841-3737
HOPE NOW Program
Call your loan servicer if you think you qualify for the Fannie Mae/Freddie Mac Loan Modification Program.
To qualify, you must be 90 days delinquent, verify your income and the value of the house, live in the house and have a loan of at least 90% of the home's value.
If you don't qualify for the Fannie Mae/Freddie Mac plan, contact HOPE NOW, an alliance of mortgage companies, for a custom workout. Go to www.hopenow.com OR call 888-995-4673. This is a national coalition of mortgage industry groups and government-approved counselors, formed in 2007 to prevent foreclosures.
HOPE FOR HOMEOWNERS
Phone: 1-800-CALL-FHA (225-5342)
The H4H Program was created by Congress to help those at-risk of default and foreclosure refinance into more affordable, sustainable loans. H4H is an additional mortgage option designed to keep homeowners
in their homes. The program is effective from 10/1/2008 to 9/30/2011. They may be able to help you refinance your loan into a new 30-year fixed rate loan with lower payments.
Homeownership Preservation Foundation
Phone: 888-995-HOPE
DID YOU KNOW?
Also, a new tax bill allows homeowners to deduct the cost of Private Mortgage Insurance from their taxes, which could mean savings of up to $500. If you pay PMI, make sure you get the deduction.
If you have an FHA loan, the Federal agency has steps for borrowers to use if they go into default. These might include a specific period of no mortgage payments, to be followed by a specific period of on-time payments. After that, the mortgage could be rewritten to incorporate the missed payments and extra fees.
OR they might include cashing in a portion of the mortgage insurance that's required on an FHA loan and using that cash to reinstate the mortgage. The cashed-in part of the insurance would remain as a lien on
the house to be paid back when it's sold or refinanced.
Check out www.findaforeclosurecounselor.org to locate a government-approved housing counseling agency in your community OR call the Homeownership Preservation Foundation's HOPE Hotline toll-free
Consumer guide to adjustable rate mortgages
Also contact AmeriDream Solutions, a nonprofit group that can help you thru these options.
8:30 a.m. to 5:30 p.m. weekdays.
ALSO
AmeriDream Downpayment Initiative
If you think there was fraud in making your mortgage loan, contact Michigan's Office of Financial
to learn how you can avoid loan modification scams!
Detroit Home Ownership Preservation Enterprise
Phone: 888-995-4673
A collaboration of banks, nonprofits and government, providing assistance to DETROIT residents.
The Department of Housing & Urban Development
Phone: 800-569-4287
Has a counseling and referral line.
Mortgage Bankers Association Database
Has a database of loans available.
For more information on the foreclosure effort spearheaded by Attorney General Mike Cox, homeowners
can call the Michigan Attorney General's Consumer Protection Hotline at 877-765-8388.
