Welcome here Housing: Economic Resources & Education

 As funds are available, HERE will offer grants for rehabilitating homeowner occupied homes of low to very-low income families.  

 We are a certified packager for USDA Rural Development’s Section 504 Home Repair program, this program provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards. 

 During your homeownership journey, we will advise you on your money and debts, help you with a budget, and offer money management tips as needed. 

Learning the basics to homeownership is essential! We offer homebuyer education courses periodically online or in-person.

This class explains the home-buying process, what is needed from the borrower to be approved for a mortgage loan, the benefits of homeownership, the challenges of homeownership, and mortgage and lending terms.

 We are a certified loan packager for USDA Rural Development’s 502 Direct Loan. “This program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance (subsidy) to increase an applicant’s repayment ability.” The program also typically has a lower than market interest rate and more flexible credit score requirements.