Buying a home is a big deal, whether you're doing it for the first time or getting back into the ever-changing market. When you educate yourself for smart homeownership with Framework, you'll navigate every step of the process with confidence. The Framework course is affordable too: just $75.

To obtain your certificate after passing the online portion:

Print these   Required Documents.  Fill them out and return them to CHS to schedule your individual telephone counseling session.  Either email to or fax to 989-686-6948.  Please also take the time to review theseResources.
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  • Income between 40% to 80% of Bay County median
  • Good credit
  • Ability to secure a mortgage


  • Down payment and closing costs in the form of a second mortgage.


  • Homeownership counseling
  • $20,000 asset cap
  • 1% minimum down payment
  • Purchase home from Community Home Solutions
  • First mortgage from MSHDA participating lender

​​​Community Home Solutions has been counseling home buyers and home owners for more than a decade.

Our knowledge of Homeownership Counseling has earned us a reputation as the place to turn to when seeking assistance for home purchase or retention. 

Homebuyer Education

Is buying a home right for you?

If you think you're ready to buy a home but are unfamiliar with the process this class is perfect for you!

This energetic class is suited for those who want to learn more about purchasing a home.

This class includes topics such as:

  • What to look for in a home
  • Working with real estate agents and lenders
  • Creating and maintaining a budget
  • Understanding mortgage programs and processes

April 2018

May 2018

Homebuyer Programs Available:
Community Home Solutions assists homebuyers looking to purchase homes in targeted neighborhoods in the city of Bay City.  We have programs available offering several levels of down payment assistance and rehabilitation. 

(989) 686-6800 for Education

~    114 Washington Ave Bay City, MI 48708   ~



  • Income between 40% to 80% of Bay County median
  • Reasonable credit or repairable credit
  • Ability to secure a mortgage


  • Down-payment assistance in the form of a second mortgage.
  • Funds to rehabilitate the home in order to bring certain things up to code.


  • Workshop attendance
  • $20,000 asset cap
  • 1% minimum down payment
  • Home must be located within a Community Home Solutions target area.                            ~Please call 989-893-9292 for details.

Pre-purchase Counseling:
Pre-purchase Counseling is  for those interested in buying a home but aren't quite prepared financially to purchase immediately.  Action steps are created to put you on the right track.  The key to successfully completing this program is personal motivation and the drive to own your own home.  

Financial Literacy / Capabilities:
These classes are designed to increase your financial knowledge and skills.  They motivate positive changes in financial behavior over time to build and preserve your assets over a lifetime.  Whether you are planning to purchase a home, save for educational expenses or retirement – good money management is an important first step.

For Online Homebuyer Education see below.

DO NOT PAY HERE.  Pay directly  to Framework using the banner below.


​~Community Home Solutions~

In-person Homebuyer Education