Homeless
Who: Individuals and families who are homeless
What: Help for those who are homeless to find stable housing
Where: Arenac, Bay, Clare, Gladwin, Mecosta, and Osceola Counties
How: Call or text 1-877-213-5955
​Additional service areas are available for Veterans and their families; click here for more information

Foreclosure & Property Taxes
Who: Those who own their home, but are behind on their mortgage payments or property taxes
What: Foreclosure intervention services including assistance working with lenders and education
Where: Michigan
How: Call the office nearest you
          Bay City: 989-894-9060
          Big Rapids: 231-660-0271
          Farwell: 989-386-3805
          Gladwin: 989-426-2801
          Hart: 231-923-3066
          Midland: 989-832-7377
          Muskegon: 231-557-7622
          Reed City: 231-791-7078

Eviction or Past Due Rent
Who: Renters who are behind on rent and impacted by COVID-19
What: Assistance with rent to ensure that individuals and families can stay in their homes
Where: Arenac, Bay, Clare, Gladwin, Mecosta, and Osceola Counties
How: Complete the CERA application online through MSHDA’s portal 
          Learn more and find the printable applications here
          Applications and supporting documents not submitted through the                  portal can be submitted via
                 Email to CERA@mmcaa.org
                 Fax to 989-386-3277
                 Mail to Mid Michigan Community Action, ATTN: CERA
                             PO Box 768
​                             Farwell, MI 48622
Contact CERA@mmcaa.org with any questions
​Additional service areas are available for Veterans and their families; click here for more information

Homebuyer
Education

A recently purchased home
A recently purchased home
Who: Individuals and families who are interested in buying a home
What: Online and in-person homebuyer education sessions and financial capability tools
Where: Bay, Clare, Gladwin, Mecosta, Midland, and Osceola Counties
How: Call the office nearest you
          Bay City: 989-894-9060
          Big Rapids: 231-660-0271
          Farwell: 989-386-3805
          Gladwin: 989-426-2801
          Midland: 989-832-7377
          Reed City: 231-791-7078
          or complete Homebuyer Education online with eHome America.

Weatherization
Who: Households struggling with high energy costs
What: Cost-effective energy solutions like insulation and weather stripping to reduce energy costs and improve safety in the home and the health of the residents
Where: Bay, Clare, Gladwin, Mecosta, Midland, and Osceola Counties
How: Call the office nearest you
          Bay City: 989-894-9060
          Big Rapids: 231-660-0271
          Farwell: 989-386-3805
          Gladwin: 989-426-2801
          Midland: 989-832-7377
          Reed City: 231-791-7078

Home Repairs

Man works on door
Man works on door
Who: Households in need of assistance with home repairs
What: Assistance with ramps, windows, doors, septic fields, roofs, and more
Where: Bay, Clare, Gladwin, Mecosta, Midland, and Osceola Counties
How: Call the office nearest you
          Bay City: 989-894-9060
          Big Rapids: 231-660-0271
          Farwell: 989-386-3805
          Gladwin: 989-426-2801
          Midland: 989-832-7377
          Reed City: 231-791-7078
In accordance with federal civil rights law and U.S. Department of Agriculture (USDA) civil rights regulations and policies, this institution is prohibited from discriminating on the basis of race, color, national origin, sex (including gender identity and sexual orientation), disability, age, or reprisal or retaliation for prior civil rights activity.

Program information may be made available in languages other than English. Persons with disabilities who require alternative means of communication to obtain program information (e.g., Braille, large print, audiotape, American Sign Language), should contact the responsible state or local agency that administers the program or USDA’s TARGET Center at (202) 720-2600 (voice and TTY) or contact USDA through the Federal Relay Service at (800) 877-8339.

To file a program discrimination complaint, a Complainant should complete a Form AD-3027, USDA Program Discrimination Complaint Form which can be obtained online at: https://www.usda.gov/sites/default/files/documents/USDA-OASCR%20P-Complaint-Form-0508-0002-508-11-28-17Fax2Mail.pdf, from any USDA office, by calling (866) 632-9992, or by writing a letter addressed to USDA. The letter must contain the complainant’s name, address, telephone number, and a written description of the alleged discriminatory action in sufficient detail to inform the Assistant Secretary for Civil Rights (ASCR) about the nature and date of an alleged civil rights violation. The completed AD-3027 form or letter must be submitted to USDA by:
  1. mail: U.S. Department of Agriculture
    Office of the Assistant Secretary for Civil Rights
    1400 Independence Avenue, SW
    Washington, D.C. 20250-9410; or
  2. fax: (833) 256-1665 or (202) 690-7442; or
  3. email: program.intake@usda.gov

This institution is an equal opportunity provider