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Housing services
HOMEOWNER / HOMEBUYER ASSISTANCE:
Homebuyer
Referral, Education & Support Services: to help a buyer become and remain an owner of any home available in the local market. See Support Services listed for details. Substantial financial assistance for qualifying buyers.
Affordable New Home Sales: OHP built homes are priced in the $65,000 to $95,000 range to serve Oceana’s workforce – to keep mortgage, taxes and insurance costs below 30% of total household income, a buyer of our least expensive home needs a total household income of at least $16,000 annually, about $8 per hour working full time year around; to meet the same objective, a buyer of our most expensive home needs a total household income of at least $28,000, about $13.50 per hour working full time year around. Our homes are quality, site-built, ENERGY STAR homes featuring in-town locations – convenient to stores, schools, churches, and services. The buyer must contribute at least 1% of the sale price - $650 to $950 - with the balance including closing costs financed. A sales brochure is available on request.
Homeowner
OHP administers Oceana County’s rehab and repair program to help owners correct structural, health, safety, accessibility and / or energy problems. Exterior improvements may be possible when completed in conjunction with these activities. A detailed program brochure is available on request.
Moderate Rehab: Costs exceed Deferred zero interest loan of $1,000 to $10,000 available to qualifying owner. Owner must contribute or finance at least 1/2 of total project costs from another source.
Minor Rehab: Costs do not exceed $10,000. Deferred zero interest loan of $1,000 to $5,000 available to qualifying owner. Owner must contribute or finance at least 1/3 of total project costs from another source.
Emergency Repair: Unanticipated or emergency costs do not exceed $2,500. Grants of $1,000 to $2,500 available to qualifying owners.
RENTER ASSISTANCE:
Rapid Re-Housing
Housing Placement Assistance: Crisis Intervention & Short Term Case Management (up to 30 days) to help displaced tenants find rental housing. Limited financial assistance may be available to qualifying tenants.
Shelter to Stability: Intermediate Term Case Management & Financial Assistance (up to 90 days) to help tenants experiencing recurring or prolonged displacement find and retain rental housing.
Good Tenancy Program: Long Term Education, Support and Case Management Services (up to 180 days) to help new renters or those with problematic rental histories find and retain housing. Includes rental guarantee for qualifying families.
Homeless Housing Partnership Program: Long Term Case Management & Financial Assistance to help displaced tenants with a disabled family member find and retain rental housing.
Supportive Housing Program: Long Term Case Management & Financial Assistance to help displaced individuals with a diagnosed mental illness find and retain rental housing. Referrals only through West Michigan Community Mental Health.
Homeless Prevention
Emergency Housing Assistance: Short Term Case Management & Financial Assistance (up to 30 days) to help tenants with a good payment and income history but experiencing immediate payment difficulties brought on by some other crisis remain in their current home or apartment.
Family Self-Sufficiency Program
Long Term Case Management & Financial Assistance intended to help tenants achieve economic and housing independence. Income gains are deposited to an individual development account intended for employment, training and related expenses, including the purchase of a home, as program objectives are met. Tenants must have or secure Section 8 rental assistance to qualify.
SUPPORT SERVICES:
Individual Consultation: an individual session or sessions scheduled as needed to support any of the services listed below. Click Here For More Info
Home Finance Workshop: a weekly group session to help consumers better understand the housing options available to them and the financial, maintenance and related requirements of each housing option. Other topics include credit scores, fair housing and available support services. Click Here For More Info
Homebuyer Workshop: a regularly scheduled group session to help consumers choosing to buy a home better understand the details of the purchase process. Topics include income and credit requirements, closing costs, working with a realtor, choosing a mortgage product, working with a lender and planning for after sale requirements. Click Here For More Info
Financial Management Workshop: a regularly scheduled group series to help owners, buyers and renters build a workable budget (including a bill payment, credit repair and savings plan) and a credit history that meets lender or landlord requirements. Click Here For More Info
Basic Home Maintenance & Repair Workshop: a regularly scheduled group series intended to help owners and renters build the skills needed to take on “do it yourself” repairs and routine maintenance tasks and to understand when its best to call the landlord or a professional. Click Here For More Info
Home Inspection: to help protect new homebuyers from unexpected repairs, our staff will inspect a property and provide a detailed report listing any current or potential problems and explain any repairs needed. Click Here For More Info
Default, Foreclosure, Eviction or Utility Shutoff Prevention: a combination of the Financial Management Workshop and Individual Consultation services described above designed to help owners and renters prevent and / or resolve mortgage, rent, property tax or utility payment difficulties.
Neighbor & Landlord Relations Workshop: a regularly scheduled group series intended to help renters understand the rights and responsibilities of tenants and landlords, and to help both owners and renters build and maintain good relationships with neighbors. Click Here For More Info
Community Land Trust (CLT) Orientation: an individual or group session scheduled as needed to help prospective buyers understand the benefits and details of purchasing and owning a CLT home.