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Affordable Home Repairs

Northwest Michigan Habitat for Humanity is helping to maintain neighborhoods and allowing residents to live safely in their homes through the Critical Home Repair Program. Habitat 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 or low-interest loan to complete critical repairs. These repairs can include a wide variety of work to improve the safetly, handicap accessibility, and affordability of a home. Home Repair partners pay a total repair cost based on a sliding income scale over the course of 7 years. Home Repair partners never pay more than 80% of the total cost of the repair. 
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Depending on the project there will be required assessments and activities that may not be included in the contractor’s quote but will be included in the final cost.

Who Qualifies for the Home Repair Program?

All Home Repair Program Partners Must:
  • Own a home and the land it sits on
  • Use the home as their primary residence 
  • Have a home that resides in Emmet OR Charlevoix county
  • Meet all eligibility screening criteria
  • Be able to pay a down payment of 1.5% of the repair cost
  • Fall within the income guidelines below
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...and more!

2022 Area Median Income Guidelines
Charlevoix County Guidelines
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Emmet County Guidelines
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Apply for our Home Repair Program!
Don't put off that repair, contact us today to get started with the Habitat Repair Program!
Email:  Call: 231-348-6926 

Visit: 1840 M-119 Unit 1, Petoskey, MI 49770

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