Program Purpose The purpose of the program is to provide funds for rehabilitation of homes to conform to the minimum standards of the HUD Section 8 Guidelines and the Michigan Energy Code.  This rehabilitation can be in a form of total Code Enforcement or Emergency Repairs depending on the applicant's circumstances and program limitations.

MSHDA Loan Application Application Release of Information Authorization Checklist Declaration of Section 214 Status Family Composition Form

Qualifications of Applicants Owner-occupant of Property Located In Ogemaw County Residence of One Year Current Property Taxes Current Homeowner Insurance on home Recorded Warranty Deed or Recorded Land Contract/Mortgage Proof of Income of all household members Two years Income Tax with W-2's or 1099's

Eligible Improvements The home improvements can be used to: Install Insulation Install an energy-efficient furnance Install or replace deteriorated siding Repair or replacement of roof Install energy-efficient water heater Install new windows and doors Upgrade electrical wiring Install new well Install new septic system Build addition to alleviate overcrowding in the home Replace deteriorated porches Install handicap ramps

Emergency Repairs Emergency Repairs can be for: Replacement furnace Replacement hot water heater Repair or replacement of leaking roof New well New septic Replacement of electrical service

Replacement Housing Replacement Housing is available for those units that are beyond repair.  Eligibility requirements are: Owner-Occupant of property Located in Ogemaw County Residence of One Year Current Property Taxes Current Insurance on home Recorded Warranty Deed Proof of Income of all household members Two years income tax with W 2's or 1099's Good credit is a requirement in order to apply for assistance with USDA Rural Development 504 loans or with the Michigan State Housing Development Authority (MSHDA) Replacement Program.