2013 Calendar of Events
4 Week Training Sessions
Financial Management • Homebuyers Education • Foreclosure Intervention • Credit Repair
Session #1 • Jan. 22, 24, 29 & 31, 2013
Upcoming Events ...
January 25-26, 2013
March 13, 2013
March 22, 2013
April 20, 2013
May 24, 2013
June 28, 2013
August 5-9, 2013
August 12-16, 2013
August 17, 2013
October 19, 2013
November 8-10, 2013
December 14, 2013
Board of Directors
Lee Austin - President
Silas Brazil – TBI Construction
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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 counseling services and affordable housing for very low to moderate income families.
• Must meet the income limits based on family size for the area
To be eligible for Links to Homeownership benefits:
1. The household income must be within the applicable income limits as seen below;
In order to qualify, your household income must be less than: (in Saginaw County)
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”
Circle of Love CDC will work with eligible families to provide the necessary counseling 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 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 counseling 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 repair and debt management sessions delivered to eligible potential home buyers by Network Counselors.
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: Counseling 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. (Counselors refer buyers to inspectors)
Counseling may be provided on an individual basis or group setting in which the counselor will provide the following:
• Counseling and advice to the client
State and Local Affiliations
City of Saginaw (saginaw-mi.com)
Circle of Love