MICHIGAN SAVES Program JUST UPDATED 4/22/2013
A new program just launched by the Michigan Public Service Commission (MPSC) called Michigan
Saves, aims to help homeowners obtain low-interest loans to fund certain energy-saving home improvements. Michigan Saves is a non-profit organization that was established by a grant from the MPSC Low-Income and Energy Efficiency Fund. The terms are NOT based on the applicants credit score and the credit score is reviewed during the loan application process, but if approved, all applicants receive the same loan terms. Participating lenders offer these loans for amounts between $1,000 and $20,000 at a fixed annual percentage rate (APR) no higher than 7 percent. Loan terms can range from 12 months to 120 months. The program is available in 36 counties throughout Michigan including Wayne, Oakland, Macomb, Wastenaw, Genessee and Livingston.
The Michigan State Housing Development Authority (MSHDA) offers low-interest home improvement loans (4% to 8%) to qualified homeowners. You can borrow up to $25,000 without any equity and add insulation, replace your furnace, install energy-efficient windows and pay for other eligible energy improvements. For more details, visit www.michigan.gov/mshda, then click on the Home Improvement link. You can also call 517-373-8017.
Keep in mind that the programs below are generally "free" to those that qualify and/or
if the program requires homeowners to pay the funds back, its not until the home is sold in the future. If you don't qualify for the programs below, the above programs may be for you!
METRO DETROIT & DETROIT
Wayne Metropolitan Community Action Agency
2121 Biddle Avenue
Wyandotte MI 48192
Phone: 734-284-6999 (main number)
Garden City MI 48135
Service area: Grosse Pointe, Grosse Pointe Farms, Grosse Point Park, Grosse Pointe Shores, Grosse Pointe Woods, Hamtramck, Harper Woods, and Highland Park. NEW! Just added--Dearborn, Plymouth, Plymouth Twp., Northville, Northville Twp., Livonia, Westland, Wayne, Garden City, Inkster, Romulus, Belleville, Taylor, Dearborn Heights, Canton, Redford, Van Buren, Sumpter Twp., and Huron Twp.
Downriver Community Conference
16100 Northline Road Seniors over 62 call 313-340-1650
Southgate MI 48195
Phone: 734-362-3473, 3475
Weatherization repair to home to decrease energy costs.
Service area: Allen Park, Brownstown, Ecorse, Flat Rock, Gibraltar, Grosse Ile, Lincoln Park, Melvindale, River Rouge, Riverview, Rockwood, Southgate, Taylor, Trenton, Woodhaven, and Wyandotte.
Wayne County Department of Jobs and Economic Development
33030 Van Born Road
Westland MI 48184
Funded by the U.S. Dept. of Energy and MI Dept. of Energy and MI Dept. of Human Services.
Provides insulation and home repairs to conserve energy and lower cooling costs. Services include ceiling, wall and pipe insulations, inspection of gas appliances and furnaces for carborn monoxide leakage and weather stripping around inadequately sealed doors and windows.
City of Dearborn Economic and Community Development Dept.
13615 Michigan Ave.
Dearborn MI 48126
Phone: 313-943-2180 #2
Services area: Dearborn low-income home owners and renters are eligible to apply for this program!
City of Detroit Department of Human Services--Weatherization
AREA G Community Service Center
Detroit MI 48211
Phone: 313-852-5634 OR 313-887-1136
AREA A Community Service Center
Northwest Activities Center
Detroit MI 48235
Phone: 313-887-6656 OR 313-887-6632
AREA E Community Service Center
13303 E. McNichols
AREA D Community Service Center
Butzel Family Center
Detroit MI 48214
Phone: 313-852-4786 OR 313-887-6710
Service area: Detroit will receive $33 million for weatherization of low-income homes. The funds
will pay for up to $6,500 in weatheriztion work per house on more than 4,500 houses. Detroiter households whose income is up to 200% of the federal poverty guidelines are eligible. The services includes, but is not limited to, attic and wall insulation, some window repair, pipe insulation, caulking and weather-stripping. You must have proof of ownership or residency, proof of income of all household members, current gas/electric bills and picture I.D. and Social Security Card. There are
3 service locations!
Community Action Agency of Jackson, Lenawee & Hillsdale
400 W. South Street
Adrian, MI 49221
Phone: 517-263-7861 OR 800-438-1845
Programs for home repairs/rehab/weatherization, education. Home energy classes.
The Macomb Urban County Housing Rehabilitation Program
will offer interest-free, deferred loans to homeowners who meet income and eligibility requirements
and whose homes need repairs. For information, call 586-469-5285 weekdays between 8:30 a.m.
to 5 p.m.
Macomb County Weatherization Program
21885 Dunham #10
Clinton Twp., MI 48036
Phone: 586-469-6999 TDD: 586-469-6329
Macomb County residents meeting income-eligibility requirements are eligible for the free weatherization help, which saves homeowners about $300 annually. Applicants can apply from
7 a.m. to 5 p.m. weekdays.
Macomb County Community Services Agency / Home Preservation & Energy Group
Central Action Center:
18 Market Street
Mt. Clemens MI 48043
If you live in the following communities south of 23 Mile Road: Chesterfield Twp., Clinton Twp.,
Fraser, Harrison Twp., Macomb Twp., Mount Clemens, New Baltimore, Shelby Twp., St. Clair Shores,
Sterling Heights, & Utica.
North Action Center
New Haven MI 48048
If you live north of 23 Mile Road in the following communities: Armada, Bruce Twp., Chesterfield Twp., Lenox Twp., Macomb Twp., Memphis, New Baltimore, New Haven, Ray, Richmond, Romeo, Shelby Twp., & Washington Twp.
South Action Center
22856 Ryan Road
Warren MI 48091
If you live in the following communities: Center Line, Eastpointe, Roseville and Warren.
Services are free to those who qualify, must meet current Federal Income Guidelines, must be
residents of Macomb County and Weatherization crews cannot work on any home that is for sale. Recipients of FIP, SSI or SDA who have received benefits during any of the past twelve months are automatically eligible. Energy-saving services may include wall insulation, attic insulation and ventilation, floor / foundation insulation, air leakage reduction, furnace repair or replacement,
and other energy saving measures.
Monroe County Opportunity Program (M.C.O.P.)
1140 S. Telegraph Road
Monroe MI 48161
Phone: 734-241-2775 ext. 223 or 235
The Energy Coinservation Department offers help to low-income Monroe County residents with utility assistance, energy education, and weatherization services. The weatherization assistance is a state
and federally-funded home energy conservation profram providing FREE measures to a home. Families receiving weatherization services can expect heating costs to be reduced 20-25%, amounting to about $300 savings per year. Tips, incentives and energy saving kits are distributed at each energy class to assist in lowering energy expenses.
Oakland Livingston Human Service Agency
196 Caesar E. Chavez
PO Box 430598
Pontiac MI 48343-0598
345 E. Nine Mile Road
Ferndale MI 48220
Low-income older adults can secure energy-saving improvements for their home to ensure comfortable, health, safe and energy-efficient living conditions at a great savings.
NOTE: For information about the Community Development Block Grant Program for seniors, contact your local government OR go to www.oakgov.com/chi/home_improvement. Click the "Community Development Block Grant" link on the left.
Home Weatherization Program
Phone: 734-544-2948 Sharon Henderson
Energy-saving materials such as insulation, weather-stripping, and caulking are installed free of charge in qualified homes. The program also covers small repairs to doors and windows. Major improvements such as furnaces and roof replacements are made when funding permits. This program also offers consumer education to promote energy conservation. All County residents who meet annual household income guidelines are eligible, whether they live in single-family homes, mobile homes or rental units.
Home Rehabilitation Services
Same phone, email and web address as above!
Deferred loans may be available to make roofing, plumbing, heating, and electrical repairs, as well as accessibility improvements such as ramps and bathroom conversions. Painting, siding, flooring, windows, and doors are covered. Who is eligible: income-eligible homeowners outside the city limits
of Ann Arbor and Ypsilanti. Income requirements change each year, so call for current guidelines.
Neighborhood Preservation Program
Phone: 734-544-3053 Deryl Beasley
Deferred loans for repairs and improvements to make homes more livable, safe and comfortable.
Who is eligible: low to middle-income homeowners who are residents of the Gateway Community.
This area of Ypsilanti is bound by Monroe, Madison, Jefferson and Watling Streets. Customer's
income must fall within certain limits, depending upon family size. Please call for current income guidelines.