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, Muskegon, Oceana, 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
​          Hart: 231-923-3066
          Midland: 989-832-7377
          Muskegon: 231-557-7622
          Reed City: 231-791-7078

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

Property Taxes
Who: Those who own their home but are behind on property taxes
What: Understand your options and find the best solution for your home with our HUD certified housing counselors
Where: Bay, Clare, Gladwin, Mecosta, Midland, Muskegon, Oceana, and Osceola
How: Call the office nearest you
          Bay City: 989-894-9060
          Farwell: 989-386-3805
          Muskegon: 231-557-7622

Foreclosure
Who: Those who own their home but are in foreclosure
What: Understand your options and find the best solution for your home with our HUD certified housing counselors
Where: Bay, Clare, Gladwin, Gratiot, Isabella, Mecosta, Midland, Muskegon, Oceana, Osceola, and Saginaw Counties
How: Call the office nearest you
          Bay City: 989-894-9060
          Farwell: 989-386-3805
          Muskegon: 231-557-7622

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 from our HUD certified housing counselors
Where: Bay, Clare, Gladwin, Gratiot, Isabella, Mecosta, Midland, Muskegon, Oceana, Osceola, and Saginaw Counties
How: Call the office nearest you
          Bay City: 989-894-9060
          Farwell: 989-386-3805
          Muskegon: 231-557-7622
          or complete Homebuyer Education online with eHome America

Financial Capability Workshops
Who: Those interested in learning more about their financial health
What: Virtual workshops for renters, homebuyers, homeowners, and more led by our HUD certified housing counselors
Where: Bay, Clare, Gladwin, Gratiot, Isabella, Mecosta, Midland, Muskegon, Oceana, Osceola, and Saginaw Counties
How: Call the office nearest you
          Bay City: 989-894-9060
          Farwell: 989-386-3805
          Muskegon: 231-557-7622

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