How to apply for Housing Committee Emergency Repair Loans (0% interest) — Otsego County in Michigan

Who it's for

The Otsego County Housing Committee lends money at zero percent interest for emergency repairs to single-family homes in Otsego County — replacing a failed water well or septic system, fixing a leaking roof, or replacing a furnace or water heater. Loans start at $2,500 and can be repaid over as long as 25 years, with no interest. The household's income may not exceed 80% of the area median income. Funding rounds are announced in local newspapers, flyers, radio and meetings; call the committee at 989-731-7570 (225 West Main Street, Room 213, Gaylord) to ask whether funds are open and how to apply.

What you'll need

• Proof you own and live in a single-family home in Otsego County
• Household income documentation (limit is 80% of area median income)
• Repair estimates for the emergency (well, septic, roof, furnace or water heater)

Where to apply

What to say when you call

"Hello, I'm calling to ask about Housing Committee Emergency Repair Loans (0% interest) — Otsego 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 you own and live in a single-family home in Otsego County, household income documentation (limit is 80% of area median income), repair estimates for the emergency (well, septic, roof, furnace or water heater) — 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 emergency, when funding is open)