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 the "Utilities Resources" webpage on this website as well!).
You may also want to check with your church as many churches do have a separate fund for emergencies like this.
Michigan Veterans Trust Fund
Phone: 313-899-1162
Website: www.michigan.gov/dmva
Serves Veterans and spouses of deceased veterans.
Wayne County Soldiers & Sailors Relief
Phone: 313-224-8163
Website: www.waynecounty.com
Serves Veterans and spouses of deceased veterans.
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. Call 800-482-3041
for information. Must not have received aid from this organization for
the past 12 months.
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 Wyandotte residents
St. Vincent De Paul
Phone: 1-877-788-4623
Website: www.svpdet.org
Serves Wayne County
Wayne Metropolitan Community Action Agency
Corporate Office
2121 Biddle Ave. Suite 102
Wyandotte MI 48192
Phone: 734-246-2280
Region I Outreach
221 Glendale #423
Highland Park MI 48203
Phone: 313-868-1460
Serves: Grosse Pointe, Grosse Pointe Farms, Grosse Pointe Park, Grosse Pointe Shores,
Grosse Pointe Woods, Hamtramck, Harper Woods and Highland Park
Region 2
Holy Cross Lutheran Outreach
30650 Six Mile Road
Livonia MI 48150
Phone: 734-266-0190
Serves: Dearborn, Dearborn Heights, Garden City, Inkster, Livonia, Northville, Northville Twp., Plymouth
and Plymouth Twp.
Region 3 Outreach
19101 Inkster Road
Romulus MI 48174
Phone: 734-782-6332
Serves: Belleville, Canton Twp., Huron Twp., Romulus, Sumpter Twp., Van Buren Twp., Wayne, and Westland.
Region 4 Outreach
26650 Eureka Road
Taylor MI 48180
Phone: 734-955-6754
Serves: Brownstown Twp., Flat Rock, Gibraltar, Grosse Ile, Riverview, Rockwood, Trenton, and Woodhaven.
Region 5 Outreach
3715 West Jefferson
Ecorse MI 48229
Phone: 313-843-2550
Serves: Allen Park, Ecorse, Lincoln Park, Melvindale, River Rouge, Southgate, and Wyandotte.
Website: www.waynemetro.org
Will pay for 1 month's rent but NO court costs. If owe more than one month's rent, approach other agencies and coordinate with Wayne-Metro.
Salvation Army
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
Detroit's Friendship House
2031 Caniff
Hamtramck, MI 48212-2996
Phone: 313-365-5561
Email: friendshiphouse@provide.net
Serves Hamtramck and nearby Detroit neighborhoods
Department of Human Services
Website: www.michigan.gov/dhs
SER rent/security deposits may be approved to prevent eviction, set up 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 DHS office.
AARP Reverse Mortgage Education Project
Phone: 1-888-OUR-AARP
Website: www.aarp.org/revmort
This program offers in-depth information on financial options for turning your home equity into cash. To order the consumer guide, Home Made Money, call the number above.
MACOMB COUNTY
Macomb County Community Services Agency
21885 Dunham Road, Suite #10
Clinton Twp., MI 48036
Phone: 586-469-6964
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
Department of Human Services
Website: www.michigan.gov/dhs
See explanation under Metro Detroit
MONROE COUNTY
Department of Human Services
Website: www.michigan.gov/dhs
See explanation under Metro Detroit
Monroe Community Opportunity Program (M.C.O.P.)
1040 S. Telegraph
Monroe MI 48161
Phone: 734-241-2775
Rental assistance for Monroe County residents ONLY.
St. Michaels & St. Vincent dePaul
510 W. Front Street
Monroe MI 48161
Phone: 734-241-8645
Limited rental assistance and other emergencies for Monroe County residents ONLY.
OAKLAND COUNTY
Rochester Area Neighborhood House (RANH) Oakland Livingston Human Service Agency
1234 Inglewood PO Box 80112 
Phone: 248-209-2600
Phone: 248-209-2600Rochester MI 48308-0112 Provides emergency assistance with rent for
Provides emergency assistance with rent for Phone: 248-651-5836 qualifying families in Oakland and Livingston
qualifying families in Oakland and LivingstonWebsite: www.ranh.org counties.
counties.Prevents eviction
Department of Human Services
Website: www.michigan.gov/dhs
See explanation under Metro Detroit
WASHTENAW COUNTY
Department of Human Services
Website: www.michigan.gov/dhs
See explanation under Metro Detroit
Catholic Social Services of Washtenaw County
4925 Packard Road
Ann Arbor, MI 48108-1521
Phone: 734-971-9781
Website: www.csswashtenaw.org
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
Website: www.annarborsalvationarmy.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
Website: www.fiavolunteers.org
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 OR 734-417-2159 (cell)
Email: mdekker@thehopeclinic.org
Website: www.thehopeclinic.org
Provides limited assistance to help keep people in their homes or to help in emergency situations.
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.
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.
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.
ALSO
AmeriDream Downpayment Initiative
Website: www.hud.gov/offices/cpd/affordablehousing/programs/home/addi
"Mortgage Loan Programs/Michigan State Housing Development Authority
"Save the Dream"
Phone: 866-946-7432
DELINQUENT PROPERTY TAXES
Please check under the "Financial Assistance" page!
FORECLOSURE SEMINARS
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 Fundwill award zero to low-interest loans to eligible low and moderate-income homeowners living in parts of the city targeted for redevelopement. 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
Detroit Home Ownership Preservation Enterprise
Phone: 888-995-4673
A collaboration of banks, nonprofits and government, provides assistance to DETROIT residents.
The Michigan State Housing Development Authority
Phone: 866-946-7432
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.
Mortgage Bankers Association Database
Website: www.mortgagebankers.org/industryresources/resourcecenters/PropertyPreservationResourceCenter.htm
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.
