500 Lake St., Roscommon, MI 48653 989-275-8306 FAX: 989-275-2141
Mail: P.O. Box 420, Roscommon, MI 48653
The priority of the Roscommon County Housing Commission is to provide decent, safe, warm and sanitary housing for low and moderate income families. Programs offered by the Commission are structured to help the low/moderate income residents of Roscommon County afford to make improvements to their homes.
Assistant Housing Director
|County CDBG Program
Roscommon County has Community Development Block Grant (CDBG) funds from the Michigan State Housing Development Authority (MSHDA) to allow 0% interest loans and deferred loans up to $25,000 for residents of Roscommon County to bring their homes to HUD’s Minimum Housing Quality Standards (HQS).
Payments on the loans can be extended up to 15 years to keep payments affordable. Payments paid back to the county are reloaned to other county residents for the same type of home improvement activities.
If eligible for deferred loans, no payments are required by the homeowner as long as they continue to own and occupy the home. There is a lien on the property until the property changes hands; at that time, the full amount is due. These loans are 0% interest loans.
CDBG funds may also be leveraged with outside funding to replace old, deteriorated homes that are considered to be seriously substandard and cannot be upgraded to meet HQS within the $25,000 maximum. Listed are some of the requirements for the Roscommon County CDBG funds:
Listed are only some of the requirements, please contact the Roscommon County Housing Commission for more information.
Emergency repair loans are available to homeowners that may have a one-time need such as: furnace, hot water tank, well, septic system, leaking roof, electrical or plumbing hazards. The amount of the single emergency repair cannot exceed $5,000 and the applicant is restricted to one loan. These are 0%-interest loans; the applicants annual income will establish the terms.
Property Improvement Program (PIP) loans are available through the Roscommon County Housing Commission. These loans are for people with income up to $74,750 annually. Interest is according to the gross annual income of the household from 4% to 8% as follows:
|Less than $19,999
$20,000 – $39,999
$40,000 – $74,750
| You may qualify for a PIP loan if:
You can borrow up to $50,000 and take up to 30 years to repay. Work must be performed by a licensed contractor or qualified homeowner; labor is paid only to a licensed contractor.
PIP – Plus
|Listed above are only some of the requirements for programs available through the Roscommon County Housing Commission. For complete details and more information, contact the Housing Commission at (989) 275-8306.|
Income Limits by Household Size
|Family Size||50% of Median Income||80% of Median Income|