We want every family in Charlevoix and Emmet Counties to have a safe, decent and affordable home where they can be proud to live. When we partner with families and individuals, not only do we help them build a new home, we help them develop the skills they need to become successful homeowners.

 

We also partner with homeowners whose households do not have the ability to set aside funds to put toward home maintenance and repair, and many critical home issues go unresolved for years resulting in accumulative damage. We work to increase the health, wellness, dignity and pride of homeowners and residents.

Program Partners are selected based on:

  • Level of need

  • Ability to pay an affordable mortgage or loan

  • Willingness to partner which includes taking classes in financial management and budgeting, home maintenance, as well as performing ‘sweat equity hours’ to help build, renovate or repair projects under construction.

Northwest Michigan Habitat for Humanity is an equal opportunity provider. All facilities are handicap accessible. If you are deaf, hard of hearing, or have a speech disability, dial TRS (or 711) for assistance.

Housing Programs

PATH PROGRAM

The Habitat “Path Program” is designed to assist households in becoming self-sustainable and successful. How the program works: First households complete budgeting and financial management classes to better understand their spending habits, develop a household budget, and enact change to become mortgage ready. Then household adults complete a total of 200 hours of sweat equity. Finally households must save a minimum of $1,000 for a down payment along with funds to purchase a homeowner’s insurance policy. By the time program partners complete the PATH Program they will reinforcing money management and savings techniques along with creating a solid partnership with NWM Habitat.

Below is a basic description of a household who would

likely be eligible for the Path Program:

1. Household income falls between $30,000 - 80% AMI (Area Median Income – varies based on household size). Not Sure? Click Here

2. Applicants meet all program eligibility screening criteria: Need, Ability to Pay, and Willingness to Partner

3. Applicants are currently considered not mortgage “ready” but could become mortgage ready within 12 months of program acceptance. Readiness is evaluated based on many factors that assess an applicant’s ability to pay on a mortgage, some of which include credit and debt-to-income.

HOME READY PROGRAM

The Habitat Home Ready Program is a new addition to Northwest Michigan Habitat for Humanity’s program services and has been designed to more quickly meet the housing needs of our area. First, partners complete budgeting and financial management classes to develop a solid household budget and understanding of what it means to be a homeowner. Applicants will become pre-qualified for third-party financing during the Home Ready enrollment process. Program Partners will pledge 200 hours of sweat equity to be completed in two years from program acceptance. 

 

Below is a basic description of a household who would likely be eligible for the Home Ready program:

 

1. Household income typically falls between 50-80% AMI (Area Median Income – varies based on household size) Not Sure? Click Here

2. Applicants meet all Habitat program eligibility

3. Mortgage ready Applicants typically have a reliable credit score of 640 or above, do not have any outstanding federal judgments, and do not have any significant credit delinquencies. 

4. Debt-to-income falls within an acceptable range

5. Household has saved a minimum of $1,000 to be used as

Cash for Closing along with funds to purchase a Homeowner’s Insurance policy

HOME REPAIR PROGRAM

Habitat is helping to maintain neighborhoods and allowing residents to live safely in their homes through the Critical Home Repair Program. Habitat for Humanity is able to provide residents of Emmet and Charlevoix Counties who own a home (including those who are currently paying a mortgage) a no interest loan to complete critical repairs. Repairs can include work to improve the safety of a home, handicap accessibility, weatherization, and projects such as roofs, windows, insulation, and more. 

Below is a basic description of a household who would likely be eligible for the Home Ready program:

1. Household income typically falls between 30-80% AMI (Area Median Income – varies based on household size) Not Sure? Click Here

2. Applicants meet all program eligibility screening criteria: Need, Ability to Pay, and Willingness to Partner

3. Applicant owns home as well as land in Emmet or Charlevoix Counties

4. Debt-to-income falls within an acceptable range

5. Applicant is willing to perform sweat equity hours based on scale of project

Contact Us:

Administrative Office

Physical Address: 8446 M 119, Harbor Springs, MI 49740

Mailing Address: 8460 M 119, Harbor Springs, MI 49740

home@northwestmihabitat.org 

Hours: Monday-Friday 8:30 AM- 4:30 PM

Closed For Lunch 11:30 AM-12:30 PM

Tel: 231-348-6926 |  Fax: 231-348-6180

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Contact Us:

Habitat ReStore

8460 M 119, Harbor Springs, MI 49740

restore@northwestmihabitat.org 

Hours: Wednesday-Saturday 10:00 AM- 6: PM

Closed Sunday & Monday

Tel: 231-347-8440 |  Fax: 231-348-6180

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