Housing LOANS available for Home Rehabilitation and Emergency Repairs

by Trudy Galla
Friday, March 1, 2019

Leelanau County has housing funds available for rehabilitation of single-family owner-occupied homes.

Two (2) separate Loan programs are available for housing repairs: 

a) Emergency Projects such as failing furnace, septic, well, dangerous or unhealthy conditions.  Emergency projects require a monthly payment on the housing loan once the emergency rehabilitation is complete.  The maximum project cost is $20,000 which includes repairs plus any soft costs.   

b) Housing Rehab which requires the whole house be looked at and brought up to code under this program.  Work may include such items as:  siding, removal/treatment of lead based paint, insulation, roofing, windows, well, septic, electrical, plumbing, etc.  The maximum project cost is $40,000 which includes repairs plus any soft costs.  Housing Rehab loans are deferred loans (no monthly payments) with some forgiveness of loan balance over a period of time.

Homeowners must meet certain requirements for either program including:  income eligibility of 80% or less of the Area Median Income (AMI), occupy the home as their residence, and agree to a lien (mortgage) on the property.

Flyer with Income Limits

For an application and more information:  contact the Planning & Community Development office at 231-256-9812, email housing@co.leelanau.mi.us or stop in Suite 108 in the Leelanau County Government Center.   These housing funds are available for a limited time.