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For building or repairing credit, there is a service called the “What If” Simulator. An authorized user can pull a client’s credit report and get recommendations along with data on how much each change will increase their credit score. Bryon Mallernee of Amerifirst Financial is an authorized user, and is passionate about helping people improve their scores in order to buy a home.
HUD ( Scalder Homes )
250 Champion Street
Home ownership opportunities programs–Rent to Own. Must apply and qualify. Option to purchase if desired and qualified. Currently 20 homes for rent to own. Scalder Homes used this government funded program and built brick homes 900-1100 sf, 2-3 bedrooms Avery Avenue, Baldwin Street, and Spring Street.
Kingdom Builders – Bishop Tino Smith
50 Spencer St.
Dr. Tino Smith
Kingdom Builders is a church and community hub in the Post Addition area. Provides financial literacy classes, employment assistance and focus on building neighborhoods. In my notes says Pastor Lee from that church, sponsors a construction and training program for 18-25 year olds and helps provide work skills.
Michigan State Housing and Development Authority (MSHDA)
Recommended MSHDA lenders:
For down payment assistance, MSHDA (Michigan State Housing Development Authority) has a program that gives $10,000 interest-free loans in targeted areas. Battle Creek is a targeted area. Outside the targeted areas, the program allows $7500. The loan is paid back when the homeowner sells the house. There are income and price limits. To see if you qualify, contact the recommended MSHDA lenders above.
47 N Washington St
Focus on modular homes or rent to own; own 56 homes; provides mortgage financing as CDFI (Community Development Financial Institution) only one in BC. They have revitalized other neighborhoods and currently have a pool of interested candidates. Also a home repair program using $1k vouchers.
Purpose Built Communities
Ted Dearing, Assistant City Manager
Development strategies for improving neighborhoods through homeowner education, housing, and revitalization. Nationwide builders and developers focused on mixed income housing solutions.
Washington Heights United Methodist Church
153 N wood Street
Pastor Monique French
Pastor French Is developing an end to end process to increase home ownership tied to the Black Community. Counseling, funding, down payment assistance, a pool of candidates. United Way CCG support. Tied to the philosophy of home ownership helping to create a more purposeful life, along with generational wealth.