​~Community Home Solutions~

  ~    (989) 893-9292 for Housing Program    ~   (989) 686-6800 for Education   ~
~    114 Washington Ave Bay City, MI 48708   ~

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.

Home Rehabilitation

  • Income below 80% of Bay County  Area Median Income (AMI)
  • Homeowners over 60% AMI are required to contribute to rehabilitation

            *    10% of total project costs for homeowners between 60% and 69.9% AMI
            *    20% of total project costs for homeowners between 70% and 79.9% AMI

  • Home must be located within a Community Home Solutions target area. Please call for details.
  • Mortgage is current
  • Property taxes are current
  • A homeowner's insurance policy is current
  • Homes located in a flood plain DO NOT qualify
  • Mobile homes not permanently affixed to the property on a solid foundation DO NOT qualify


  • The loan is a lien against your property, bears no interest, is NOT a grant or gift, and must be repaid upon the sale, transfer or conveyance of the property and/or upon death of Homeowner and/or when the property is no longer the Homeowner’s principal residence.
  • Maximum loan value of $35,000 will be used to meet minimum code requirements, increase energy efficiency, and remediate lead-based paint hazards. 
  • Pre-qualification forms must be filled out at CHS

Foreclosure Prevention Counseling

Don't wait until you're too late!

Are you having difficulty making your monthly mortgage payments?  You need to take action immediately by contacting CHS. Our counselors will be able to help you keep your home and avoid foreclosure or transition out of your home and into the next stages of home ownership.  

Whether you are struggling to stay current or already delinquent, our counselors want to meet with you to discuss all options available including:

  • MI Hardest Hit Program
  • Repayment/Reinstatement
  • Modification
  • Refinance
  • Short-Sale
  • Deed-in-Lieu
  • Foreclosure

 Be prepared to discuss your problems honestly and in detail.

At Community Home Solutions, we have access to resources that you may or may not know about.  Our goal is to help you with the necessary steps with whatever option you choose.

Fair Housing

Foreclosure Timeline

Mortgage Assistance Package

Property Tax Assistance Package