Office Closings:

November 27 – December 2, 2014

December 8-12, 2014

December 22, 2014 – January 2, 2015

2014 Calendar of Events:

4 Week Training Sessions

Financial Management • Homebuyers Education • Foreclosure Intervention • Credit and Debt Management

Session #1 • Jan. 21, 22, 23, 28 & 30, 2014
Session #2 • March 11, 13, 18 & 20, 2014
Session #3 • May 6, 8, 13 & 15, 2014
Session #4 • Oct. 14, 16, 21 & 23, 2014
Thursday Evenings • 6pm-9pm

– Clients will receive a Certificate upon completion 

Upcoming Events ...

Community Resource Fair
“Show Me the Money” Workshop
January 25, 2014

Get Your Home Improvements - Community Kickoff
March 12, 2014

Annual (Mystery Masquerade Ball) Fundraiser
March 28, 2014

Credit Check-Up Fair
“Come Get Credit Smart” Workshop
April 26, 2014

“Jailhouse Rocks!” Community Lock-up Fundraiser
May 30, 2014

“Saving The Dream” - Free Concert in Bliss Park Fundraiser
June 27, 2014

Community Awareness Week Preparation
Bag Stuffing • July 28-August 1, 2014

Community Awareness Week
Door-to-Door Outreach • August 4-8, 2014

Community Makeover Week
Yard & Lot Clean Up • August 11-15, 2014

Community Block Party
Book Bag Give Away • August 16, 2014

Free Community Resource Workshop
October 8, 2014

Learn How to Shop on a “Shoestring” Budget
– Shopping Spree –
November 7-9, 2014 (3 days/2 nights)

Annual Christmas Party
December 12, 2014

Board of Directors

Lee Austin - President
Debwin Simon - Treasurer
Linda Vanderpool - Vice President
Debwin Simon - Secretary
Alnisha Jackson - Director
Jerome Buckley - Director
Debwin Simon - Past President
Charlie DeMercurio - Past President
Otis Dickens - Past President
Pam Brazil - Executive Director

Advisory Council

Silas Brazil – TBI Construction
Patricia Franklin – Lindsey - Chemical Bank
James Howard – D&B Builders
Janice Knight - Professional Administrator
Lois A. Robinson - Retired

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Donate to Circle of Love CDC



What is Circle of Love

We are a non profit organization and a community development corporation (CDC) providing affordable housing for very low to moderate-income families by way of new construction. Assisting individuals, regardless of background, ethnicity, or physical ability, we bring together cooperatives and other broadly based non-profit organizations to obtain modest, decent, safe and clean facilities for use as permanent homes. We also provide educational training courses and referrals to help the clients’ awareness and ability concerning the overall maintenance, safety, up-keep and financial responsibilities of the home/facility once occupancy is obtained; thus, promoting self-enrichment, community pride and development.


is to provide educational services and affordable housing for very low to moderate income families.


• Must meet the income limits based on family size for the area
• Must be unable to obtain sufficient credit from other sources
• Must have adequate repayment ability
• PTI debt ratio cannot exceed 29% for very low or 33% for low income families
• TD ratio cannot exceed 41%
• Cannot presently own a dwelling unless it is structurally unsound, functionally
   inadequate or not large enough to accommodate their needs
• Meet citizenship or eligible non-citizen requirements
• Possess legal capacity to incur the loan
• Personally occupy the dwelling
• Have an acceptable credit history
• Proof of employment (i.e., 2 pay stubs)

How to Qualify

To be eligible for Links to Homeownership benefits:

1. The household income must be within the applicable income limits as seen below;
2. Client will be ready to purchase a home using a MSHDA mortgage product within 12 months of
completing the application. Once application is submitted a certified educator will pull a tri-merged credit report and review with client to determine if client qualifies for the Links program.

In order to qualify, your household income must be less than: (in Saginaw County)

  One person: $30,050
  Two people: $34,350
  Three people: $38,650
Four people: $42,900
Five people: $46,350
Six people: $49,800
Seven people: $53,200
Eight people: $56,650

Please remember you may still qualify for a MSHDA loan even if you don’t qualify for MSHDA LINKS!

“Median income level subject to change, according to government regulations”

Educational Programs

Circle of Love CDC will work with eligible families to provide the necessary educational services that will empower them to become homeowners!

You Pay Nothing!

Down Payment Assistance: MSHDA will pay up to $7,500 towards down payment or closing costs

Home Inspection Funds: MSHDA will pay up to $750 for inspections prior to home purchase

Home Maintenance Training: MSHDA will pay to provide training

What do you have to lose? Apply today!

Links to Homeownership

Links to Homeownership is a program offered by the Michigan State Housing Development Authority (MSHDA) and Circle of Love CDC for low and moderate income families who are interested in becoming homeowners. Below is a list of the educational services we provide:

Homebuyer Education: Sessions designed to provide information about the process of home buying and home owning to potential homeowners.

Individual Counseling: Intensive budgeting, credit and debt management sessions delivered to eligible potential home buyers by Network Educators.

Financial Management Education: Educational support groups designed to assist clients in addressing financial problems or barriers to their life goals.

Home Maintenance Training: Provides families with information that enables them to perform basic home repairs and upkeep in the areas of structural, electrical, furnaces, wall repair, painting, landscaping, exterior maintenance, and plumbing.

Foreclosure Prevention: Education delivered to eligible home owning families for the purpose of saving their home from foreclosure. (Available for all types of mortgage loans)

Home Inspections: Eligible families may secure up to $750 in home inspections or any other inspection listed as a condition in the offer to purchase as an expense to the buyer. (Educators refer buyers to inspectors)

Education Provisions

Education may be provided on an individual basis or group setting in which the educator will provide the following:

• Education and advice to the client
• Interview the client in a private space in a confidential manner
• Identify resources that might assist in meeting the needs of the client
• Design an Action Plan. Client and educator must both sign the plan.
• Monitor the client’s progress and assist with resolving issues
• Administer education services provided under the MSHDA approved agreement
• Coordinate efforts with MSHDA, mortgage lenders, bankers, realtors and home
   inspectors in order to provide maximum service to the client
• Refer clients, as appropriate, to other community service organizations and agencies
• Provide Housing Education Services on a priority basis to low and moderate income clients

Affiliations and Sponsors

State and Local Affiliations

City of Saginaw (
Department of Housing and Urban Development (
Michigan State Housing Development Authority (
Saginaw Community Foundation (
PIP (Property Improvement Program)
Fannie Mae (


KISS 107 (

WSGW Newsradio 790 (

Home Builders Association of Saginaw (

NeighborWorks America (

Charter One Bank (

Chemical Bank (

Independent Bank (

Flagstar Bank (

Fifth Third Bank ( (

Freddie Mac (

AmericaAmeriCorps Michigan (

Contact Us

Circle of Love
  (A Non-Profit Organization, Community Development Corporation)

1809 Durand Street
Saginaw, Michigan, 48602
phone: 989-921-0569
fax: 989-754-1654

Pamelia D. Brazil, Executive Director,
Silas Brazil, Construction Manager,