How to apply for NMCAA Emergency Home Repair Program — Charlevoix County in Michigan

Who it's for

The Northwest Michigan Community Action Agency helps income-eligible homeowners in Charlevoix County fix urgent problems that make a home unsafe — a leaking roof, dangerous wiring, plumbing leaks, a failed furnace or water heater, a well or septic system, or a needed wheelchair ramp or accessible bathroom. Repairs under $2,500 are a grant with nothing to pay back; larger repairs are a 0% loan with no monthly payments that is repaid only when the home changes owners. Charlevoix and Emmet homeowners may also be able to get CHILL funding for larger repairs such as roofs, siding, windows, and insulation. Funds are limited. Email HEESIntake@nmcaa.net, fill out the pre-screen application on the NMCAA website, or call 231-947-3780.

What you'll need

• Proof that you own the home and live in it as your main home
• Proof of household income
• Proof that your mortgage and property taxes are current
• Proof of active homeowners insurance

Where to apply

What to say when you call

"Hello, I'm calling to ask about NMCAA Emergency Home Repair Program — Charlevoix County. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof that you own the home and live in it as your main home, proof of household income, proof that your mortgage and property taxes are current — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Renewals

one-time per repair project