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 rent or mortgages and also utility bills that have been or are at risk of being shut off
(look under the "Utilities Resources" webpage on this website as well!).
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!
Be sure and look under the "Financial Resources" webpages as well as there are charities that will help people with this as well esp. those that are ill!
NOTE!
Nearly ALL of the agencies listed below REQUIRE you to apply for State Emergency Relief Funds FIRST
at your local Department of Human Services site OR online BEFORE contacting them.
You will either be approved for S.E.R. funds and receive a check from the D.H.S. department OR you will
be turned down and will receive what is called a"decision notice" that D.H.S. will mail to you. Do NOT
throw away this notice! You will need if you are turned down to apply for help from these other sources.
Department of Human Services
Website: www.michigan.gov/dhs to find your local office
AND
Website: www.michigan.gov/MIBridges You can now apply ONLINE and save a trip to the office!
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 fees
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.
NEW!!! JUST ADDED 1/13/2013
Beginning Tuesday, Jan. 15th, 2013, The Michigan State Housing Development Authority will spend up
to $30,000 each to pay a homeowner's delinquent taxes, interest, fees and condonimium association dues!
Under the program, homeowners seeking relief have to apply online at www.stepforwardmichigan.org.
If approved, the money will be sent to the county treasurer's office, which will pay off the delinquent taxes.
To qualify, homeowners have to use their homes as their primary residences, demonstrate significant
hardship that has caused them to fall behind on their property taxes and have less than six months of
family cash reserves. A county treasurer's office retains the right to disapprOve assistance, even after
MiSHD approves it. At $206 million statewide, the program could help at least 6,800 people at the maximum amount of $30,000 each!
NEW! JUST ADDED 5/7/2013
Michigan's Attorney General and head of a new state agency for veterans said Tuesday that $5 million
in grants will be available to help military service members and veterans struggling to keep their homes
as a result of the mortgage foreclosure crisis. Attorney General Bill Schuette and the Director of the Michigan Veterans Affairs Agency Jeff Barnes launched the Michigan Veterans Homeowners Assistance Program,
which will provide money for military service members and veterans who are currently at risk of losing, or
who have lost, their homes to foreclosure since 2006.The grants will be awarded on a first-come, first-served
basis until the money runs out and can be used in a variety of ways, like curing a default, providing a loan modification or refinancing a mortgage. Grants will be sent directly to the vendors, like the lenders or govern-
ment entities. All active and reserve military service members are eligible as well as Air and National Guard, honorably discharged veterans and surviving spouses of Michigan service members who had a combat-related death. The state currently runs a grant program to help war-time veterans who are struggling financially, but
this will be expanded to apply to all veterans as well as active military members. They expect thousands of
people will be assisted by the program and estimated the $5 million will last at least two years
Website: http://www.michigan.gov/vet
Michigan's Hardest-Hit Fund
Phone: 866-946-7432
Website: www.michigan.gov/HardestHit
Federally funded program designed to help
eligible homeowners who are struggling to
make their mortgage payments.
Michigan Veterans Trust Fund
Phone: 313-899-1162
Website: www.michigan.gov/dmva
Serves Veterans and spouses of deceased veterans.
NOTE: You MUST be legally married (and able to prove it!)
at the time of the veteran's death.
Wayne County Soldiers & Sailors Relief
Phone: 313-224-8163
Website: www.waynecounty.com
Serves Veterans and spouses of deceased veterans.
NOTE: You MUST be legally married (and able to prove it!)
at the time of the veteran's death.
Hemophilia Foundation of Michigan
1921 W. Michigan Ave.
Ypsilanti MI 48197
Phone: 734-544-0015 OR 800-482-3041
Website: www.hfmich.org
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.
Must not have received aid from this organization for the past 12 months.
Sisters Outreach Services
825 W. 9 Mile Road
PO Box 20602
Ferndale MI 48220
Phone: 248-544-8401
Website: www.sistersoutreachservices.com
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
Website: www.aarp.org/revmort
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. Age limits apply!
NOTE! Please also check under the "Financial Resources" pages on this website as there are some
programs that will help you in this regard, depending on your circumstances!
METRO DETROIT & DETROIT (WAYNE COUNTY)
ACCESS
2651 Saulino Ct.
Dearborn MI 48120
Phone: 313-842-7010
Website: www.accesscommunity.org
Samaritan Wyandotte Ministerial Association
140 Superior Boulevard
Wyandotte MI 48192
Phone: 734-285-8450
Serves only City of Wyandotte residents
St. Vincent De Paul
Phone: 1-877-788-4623
Website: www.svpdet.org
Serves Wayne County
Wayne Metropolitan Community Action Agency
Administrative Office:
2121 Biddle Ave.
Wyandotte MI 48192 Does NOT service the City of Detroit.
Phone: 734-284-6999
Website: www.waynemetro.org
Please call and ask for the Call Center to have a Case Manager talk to you regarding if the agency happens
to have rental or utility assistance available. If no assistance is currently available, the Case Manager
will refer you to other resources.
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 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
Salvation Army
Website: www.salmich.org
Dearborn Heights Community Corps Center
Dearborn Heights 313-899-1162
Brightmoor Corps Community Center
Detroit 313-532-1281
Grandale Corps Community Center
Detroit 313-835-3736
Harbor Light Corps Community Center
Detroit 313-964-0577
Harding Corps Community Center
Detroit 313-822-2800
Temple Corps Community Center
Detroit 313-897-2914
Plymouth Corps Community Center
Plymouth 734-453-5464
Wayne/Westland Community Corps Center
Westland 734-722-3660
Downriver Community Corps Center
Wyandotte 734-282-0930
THE INFORMATION CENTER
20500 Eureka Road
Taylor MI 48180
Phone: 734-282-7171
Email: info@theinfocenter.info
Website: www.theinfocenter.info
Rent referrals and/or assistance for downriver residents.
Southwest Solutions
1700 Waterman Street
Detroit MI 48209
Phone: 313-841-8900
Website: www.swsol.org
United Community Housing Coalition
220 Bagley #224
Detroit MI 48226
Phone: 313-963-3310
Email: uchc123@sbcglobal.net
Website: www.uchcdetroit.org
Program has recently changed--will help with back rent and landlord/tenant disputes.
Call on Mondays and Fridays from 9 a.m. to noon!
Detroit's Friendship House
9540 Conant Street
Hamtramck, MI 48212
Phone: 313-871-7443
Email: friendshiphouse@provide.net
Website: www.detroitfriendshiphouse.com
Serves Hamtramck and nearby Detroit neighborhoods.
Birmingham Community House
Phone: 248-644-5832
Services Birmingham residents
Health Emergency Lifeline Programs (H.E.L.P.)
1726 Howard Street
Detroit MI 48216
Phone: 313-832-3300 OR 888-435-5655
Email: help@helpoffice.org
Website: www.helpoffice.org
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
1214 Greenwood Ave.
Jackson MI 48203
Phone: 517-784-4800
Email:
Website: www.caajih.org
Rental assistance for eligible Lenawee County residents.
Community Action Agency
400 West South
Adrian MI 49221
Phone: 517-263-7861 OR 800-438-1845
Email: info@caajih.org
Website: www.caajih.org
Rental assistance, homelessness prevention and counseling.
Lenawee Emergency and Affordable Housing Corporation / Homeless Prevention
P.O. Box 692
307 E. Church Street
Adrain MI 49221
Phone: 517-264-0782
Email: L-E-A-H-C@frontier.com
Website: www.LEAHC.org
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 also available!
Faith in Action
603 S. Main
Chelsea MI
Phone: 734-475-3305
Website: www.faithinaction1.org
MACOMB COUNTY
Macomb Resources
Website: http://macombresources.info
Go to this website to find Macomb county resources.
Macomb County Community Services Agency
21885 Dunham Road, Suite #10
Clinton Twp., MI 48036
Phone: 586-469-6999
Email: mccsa@macombcountymi.gov
Website: www.macombcountymi.gov
AND
Contact the 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
Contact the 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
Contact the 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.
AND
Good Shepard Coalition
Samaritan House
Good Samaritan Coalition
These organizations are built by a network of churches and community agencies who work
with families in Macomb County. Their goal is to help low-income households within their
communities avoid slipping through the cracks of the social service system. Residents
interested in receiving assistance from these 3 agencies are FIRST referred to the D.H.S.
and/or MCCSA (above) for screening & assistance. These organizations help with: funds for
rent/mortgage payments, food assistance, gas vouchers, clothing and more.
St. Vincent DePaul
Provides emergency assistance in the form of rent/mortgage assistance, utility assistance,
emergency food assistance and more. Contact any local Catholic Church for a referral.
The Salvation Army
Corps /Community Center (Warren)
Phone: 586-754-7400
AND
Church/ Community Center (Mt. Clemens)
Phone: 586-469-6712
Provides emergency services and more to needy persons.
MONROE COUNTY
Monroe Community Opportunity Program (M.C.O.P.)
1040 S. Telegraph
Monroe MI 48161
Phone: 734-241-2775 #203 Delinquent taxes dial #225
Website: www.monroecountyop.org
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 prevents eviction for those in Auburn Hills, Lakeville,
Leonard, Oakland Twp.,
Rochester & Rochester Hills.
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
Website: www.jfsdetroit.org
Neighbor for Neighbor
P.O. Box 235
Davisburg, MI 48350
AND
HART Community Center
495 Broadway
Davisburg MI
Phone: 248-634-0900
Email: nfninc@netzero.net
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
Email: oxfordorionfish@gmail.com
Website: http://oxfordorionfish.org
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
Email: info@olhsa.org
Website: www.olhsa.org
AND
South Office:
345 E. Nine Mile Road
Ferndale MI 48220
Phone: 248-542-5860
Email: info@olhsa.org
Website: www.olhsa.org
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
Website: www.lighthouseoakland.org
WASHTENAW COUNTY
Thrift Shop Association of Ann Arbor
3530 Washtenaw
Ann Arbor MI 48104
Phone: 734-662-6771
Emergency financial assistance primarily for housing crisis.
Maximum amount of $300. Help is limited to just once a calendar
year. Ann Arbor School district resident only and must have an
advocate/counselor.
Veteran Services
2155 Hogback Road
P.O. Box 8645
Ann Arbor MI 48107-8645
Phone: 734-973-4540
Assists veterans and/or dependents to secure potential entitlements
from federal, state and local government sources based on honorable
military service.
The Salvation Army of Washtenaw County
100 Arbana Drive
Ann Arbor MI 48103
Phone: 734-668-8353
Website: www.salmich.org
SOS Community Services
101 S. Huron
Ypsilanti MI 48197
Phone: 734-485-8730
Website: www.soscs.org
Faith in Action
603 S. Main Street
Chelsea, MI 48118
Phone: 734-475-3305
Rent assistance
Aid in Milan
54 W. Main Street
Milan MI 48160
Phone: 734-439-8420
Help with rent.
Saline Area Social Service Inc.
131 E. Michigan Avenue
Saline MI 48176
Phone: 734-429-4570
Housing assistance.
HOPE Medical Clinic
Two clinics in Ypsilanti and Wayne
Phone: 734-710-6688
Email: mdekker@thehopeclinic.org
Website: www.thehopeclinic.org
Provides limited assistance to help keep people in their homes or to help in emergency situations.
DID YOU KNOW?
If you had an FHA insured mortgage, you may be eligible for a REFUND? Go to http://www.hud.gov/offices/hsg/comp/refunds/index.cfm OR call 1-800 697-6967
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.
If your loan is a backed by Fannie Mae or Freddie Mac--as most conventional, non-FHA loans are--you
can also ask the lender for help getting past a hard time as these agencies can easily modify your loan.
Call 800-287-8685.
Another source if you're having problems meeting a mortgage is Housing Counseling Referral Service
at 800-569-4287.
Also contact AmeriDream Solutions, a nonprofit group that can help you thru these options. Visit www.ameridream.org and click on AmeriDream Solutions OR call 866-716-3633 from 8:30 a.m. to
5:30 p.m. weekdays.
"Mortgage Loan Programs/Michigan State Housing Development Authority
"Save the Dream"
Phone: 866-946-7432
FORECLOSURE
Comerica Inc. announced Monday, Feb. 11th, 2008 that they have created a $500,000 fund to help Detroit homeowners avoid foreclosures caused by unpaid property taxes. The Comerica Tax Assistance Loan Fund
will award zero to low-interest loans to eligible low and moderate-income homeowners living in parts of the city targeted for redevelopment. Those areas are East English Village, Osborn, North End, Brightnoor,
7 Mile-Livernois and Grand River-Greenfield. Eligible homeowners can get 12 to 36 month loans ranging from
$500 to $5,000. To find out more about the loans, Detroit residents can contact the following counseling agencies:
U-SNAP-BAC Community Development Corp.
Phone: 313-640-1100
&
Mission of Peace Community Development Corp.
Phone: 313-872-2900
&
United Community Housing Coalition
Phone: 313-963-3310
&
Southwest Housing Solutions
Phone: 313-841-9641
Wayne Metropolitan Community Action Agency
Corporate Office
2121 Biddle Ave.
Wyandotte MI 48192
Phone: 734-284-6999
Website: www.waynemetro.org
Has Foreclosure Intervention Specialists who work to help homeowners explore their options
in regards to foreclosure problems.
Detroit Home Ownership Preservation Enterprise
Phone: 888-995-4673
A collaboration of banks, nonprofit's and government, provides assistance to DETROIT residents.
The Michigan State Housing Development Authority
Phone: 866-946-7432
Website: www.michigan.gov/mshda
Has a hotline to assist homeowners statewide who are at risk of foreclosure.
The Department of Housing & Urban Development
Phone: 800-569-4287
Has a counseling and referral line.
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.
