Housing Support
Who: Individuals and families who experiencing housing instability
What: Services ranging from temporary shelter to rental assistance
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
Attention: The CERA program closed for new applications on June 30, 2022 at 9:00 PM. Applications completed and submitted by that date will continue to be processed after June 30, 2022 until all of the financial assistance funds are spent. There may be more applications submitted than funds available, so submitting an application before June 30, 2022 does not guarantee that it will be able to be processed. You can check the status of your application on MSHDA's website here.

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

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
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