Grant Township, Cheboygan, Michigan

Basic Program
Is your home in need of repairs? Does finding the money to make these repairs seem impossible? The Cheboygan County Housing Commission may be able to help you. If you meet certain applicant and income criteria you may be eligible for a low interest loan to assist you with your needed repairs. This is not a "home remodeling" program; cosmetic improvements will be limited.

If you are  found eligible:

    • The Housing Inspector will call to arrange an appointment        for the inspection of your home. You must be present            during the inspection.

    • The house must be brought up to meet local code                    standards. Structural conditions must be such that the            house can be rehabilitated. The cost of rehab must not            exceed the value of the home.

    • A mortgage will be required to secure all loans.

    • All joint owners will be required to sign the mortgage;            land contract deed-holders will be required to sign as            well as the buyer.

    • Upon termination of ownership, whether by death or by            sale of the property, the balance of the loan must be paid        in full.  The debt is NOT transferable to heirs or survivors.

    • Bids for the work to be done will be offered to the lowest        responsible bidder. The homeowner may choose a higher        bid, but must pay the difference between the high and            low bid. The contract must be signed by the homeowner        and  contractor.

    • Homeowner will be required to maintain insurance on the        property for the duration of the loan, and the property            taxes must be kept current.

    • Homes built prior to 1978 must be tested for lead-based            paint hazard.

Allowable Repairs Consist of . . .

    • Installation and/or repair of sanitary water and waste            systems, together with related plumbing and fixtures,            which will meet local health department requirements.

    • Energy conservation measures such as insulation,                    combination screen/storm windows and doors.

    • Electrical wiring.

    • Repair of, or provision for, structural supports and                    foundations.

    • Repair or replacement of the roof.

    • Replacement of severely deteriorated siding, porches or        stoops.

    • Alterations of the unit's interior or exterior to provide            greater accessibility for any handicapped occupant within        the household. 

Applicant Requirements

You must . . .

• be a Cheboygan County      resident

• either own or are buying    your home

• have current and              sufficient homeowner(s)    property insurance

• have property taxes paid    current

• financially qualify (call       231-627-8899 for income    guidelines) 

• home must be your           primary residence

• home must be at least 5    years old.