St. Clair County Homeowner Assistance Program / Community and Housing Redevelopment Fund

How it works

St. Clair County’s Community and Housing Redevelopment Fund provides financial assistance to homeowners through the county’s Homeowner Assistance Program. The county says the program has been offered for over two decades and is administered by the St. Clair County Metropolitan Planning Commission.

The county receives grant funds from the Michigan State Housing Development Authority (MSHDA) and then awards low-interest loans to homeowners who meet the program’s criteria. As borrowers repay those loans, the money goes back into the fund and is loaned again to other homeowners.

What the money covers

The official county material says the loans are for “necessary rehabilitation work” to bring homes up to minimum health and safety standards set by the federal government. The county’s annual report also says the program offers emergency repair loans.

The source does not provide a specific wildfire-hardening list, but the rehabilitation funding can support home repairs that improve a home’s overall safety.

Amounts and matching

The county’s annual report states that the Homeowner Assistance Program also offers emergency repair loans of up to $5,000 at a rate of 4% simple interest. The county also notes that local match dollars have historically come from programs offered by BWCA, such as weatherization funds, and that the county budgets $10,000 each year to go toward housing programs.

How to apply

The county page provided in the source set does not include a current application form or step-by-step application process.

Timing and deadlines

The materials show the program as an ongoing county housing program, but they do not list a current deadline or closing date.