Planning & Community Development
Contact the Planning Department Phone: 989-837-3374 Email: firstname.lastname@example.org
Zero-Interest, Deferred Payment for Emergency Repairs
Increases in the cost of living make
it increasingly difficult for some homeowners to finance emergency repairs to their property. The
City of Midland's Emergency Housing Rehabilitation program provides financial
assistance for emergency repairs that will improve the
safety and well being of residents occupying unsafe dwelling units.
Examples of such repairs include leaking roofs, non-working furnaces or hot
water heaters, to name a few.
Emergency repair loans are made available
through federal Community Development Block Grant (CDBG) funding.
A zero-interest, deferred-payment loan is a loan bearing
no interest and on which you make no payments. These loans are funded by the CDBG
program and administered by the City of Midland. The loan is secured by a mortgage note and a promissory note. It is
repayable when the property is sold or if the loan recipient no longer lives on
Who Is Eligible?
1. You must have owned and occupied your residence for 30 days prior to
2. The following information must be submitted:
A completed application form
A completed “Household Debt and Expenses”
Disclosure of Assets
Verification of income for everyone in the
household who is employed
A complete copy of the most current Federal and Michigan Income Tax forms (two years if self-employed), including all
schedules and W-2 forms
Proof of ownership of the property
What Properties Are Eligible?
1. The property must have been
within the City of Midland boundaries as of the previous July 1.
2. The property must be owned
and occupied by the borrower as a permanent year-round residence.
3. The borrower must have
occupied the residential structure to be improved for at least thirty days prior
to the date of application.
4. The property to be improved must be a permanent single-family structure. Mobile homes and trailers are not eligible.
5. If the property to be improved is being purchased on a land
contract, the land contract seller must be a co-signer
on the deferred payment loan mortgage.
6. The property must have a minimum of one (1) code violation to be
7. An individual may obtain a
loan for improvements to a condominium unit. However, the improvements must be
for that portion of the unit not owned in common by the condominium association.
What Kind of Improvements Are Eligible?
Health- and safety-related repairs.
Note: Funds shall not be applied toward any work begun or completed
before the date of the deferred payment loan mortgage.
How to Apply for a Loan
The application process begins when the homeowner contacts the City of
Midland Housing Department at 989-837-3374. You will be screened for
income level, location of property, and property ownership. If you seem to meet the
requirements of the program, your name and mailing address will be added to our
list. You will be sent an application when the application period becomes
open. Application periods will be determined by the City of Midland Housing
Department, according to available funds.
Applications will be processed based on the date of the approved
application, except in cases where there is an imminent threat to health or
Equal Housing Opportunities
In accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988), the City of Midland provides equal housing opportunities to all citizens, regardless of race, color, religion, sex, handicap, familial status, or national origin.