Human Resource Authority, Inc.

Equal Housing Opportunity Equal Opportunity Employer

The Chippewa-Luce-Mackinac Community Action Human Resource Authority, Inc. currently operates the Michigan State Housing Development Authority (MSHDA) Community Development Block Grant Program.
Works in cooperation with Chippewa, Luce, and Mackinac Counties to provide necessary home improvements.
The CDBG Program assists low and moderate income homeowners with repairs and rehabilitation to their homes.
Homeowners must meet or be below Section 8 income limits as published by MSHDA annually.
Those applying for services must be the owner / occupant for a minimum of 30 days prior to application.
Ownership is defined as having title to the property or a legal purchase agreement such as a mortgage or land contract.
Proof of ownership is required when applying.
If approved the CDBG program will provide homeowners with a grant amount up to but not exceeding $7,500.
Homeowners normally provide a 25% leverage amount to complete the rehabilitation project.
Zero interest loans secured by non-diminishing liens are provided to homeowners.

Home Weatherization Program

Designed to help area residents by providing insulation, weather stripping, and other energy-saving measure.
This program is available for:
- owner occupied homes

- mobile homes

- and qualified rentals

Walk for Warmth

A community event organized cooperatively by Community Action and the non-sectarian advocacy group known as Faith Works.
The funds raised by the event assist Chippewa County residents; targeting:
- seniors

- the disabled

- and the "working poor" who are in danger of becoming homeless due to emergencies such as electrical and heating fuel shutoffs.

Home Buyer Education

Home buyers are counseled through the home buying process to support programs that increase homeownership opportunities for low to moderate income families.

Home Buyer Purchase Rehabilitation

The Chippewa-Luce-Mackinac Community Action Human Resource Authority, Inc., in conjunction with the Michigan State Housing Development Authority, operates the Down Payment Assistance Program with Home Rehabilitation in the tri-county area.
This program is designed to provide low and moderate income families with support to become homeowners.
The Down Payment Assistance Program including Home Rehabilitation provides eligible homeowners with a grant for up to $5,000 towards the purchase of a new home, plus a grant to provide needed repairs to the home.
The $5,000 grant is per family in closing costs, down payment and/or interest buy downs and limited funds for required repairs established by an HQS inspection.
This program is designed to assist lower income residents to purchase new homes and improve the housing stock in the area.
Applicants must be pre-approved for a mortgage from a lending institution, meet income guidelines, and agree to attend Home Ownership Counseling.
The home must pass a Housing Quality Standard inspection.

In addition, applicant must acquire the necessary bids fro licensed contractors based on the specifications designed by Community Action staff.

Neighborhood Preservation

This program will strengthen a specific neighborhood by providing low and moderate income homeowners with zero interest loans secured by non-diminishing mortgage loans.
The homeowner is expected to provide 25% matching funds.

CLMCAA owns and operates rental properties located in our tri-county area:

Sewell Avery Center

510 Ashmun Street

Sault Ste. Marie, MI 49783

Phone: (906) 632-3363 or (800) 562-4963

Fax: (906) 632-4255

Newberry Service Center

405 Newberry Avenue

Newberry, MI 49868

Phone: (906) 293-5621

Fax: (906) 293-5512

John Fenlon Center

368 Reagon Street

St. Ignace, MI 49868

Phone: (906) 643-8595

Fax: (906) 643-8866

Please contact the Community Action Agency in your county for more information, or contact us by submitting the Information Request Form below.