Homeownership Video

  • Homeownership Video

Homeownership welcome

  • MSHDA: Your Best Way Home

    MSHDA’s Homeownership division provides a variety of programs and products for both homebuyers and homeowners. We can help if you’re trying to purchase a home, improve your current property or are facing foreclosure.



Whether you are a first-time homebuyer or a seasoned veteran of the housing market, MSHDA has a mortgage product to meet your needs. Contact one of our Experienced Lending Partners today for more information! Simply click on one of our mortgage programs or the Mortgage Credit Certificate below to find a lender in your area.

MI Home Loan Mortgage

MI Home Loan Flex Mortgage

  • MI DPA Loan up to $7,500 available statewide. (Homebuyer Education class required.)
  • For first-time and repeat homebuyers looking for more flexibility in a mortgage.

Mortgage Credit Certificate (MCC)
Homebuyer federal tax credit - available for up to 30 years after purchase!

Housing Education Program
Housing education, classes and workshops.

Homebuyers, please visit Experienced Participating Lender to see if you are eligible for a MSHDA mortgage



Housing Counseling Agencies
Michigan Homeowner Assistance Fund (MIHAF)
COVID-19 Response

Property Improvement Program (PIP)
Home improvement loans for income qualified homeowners.

Stages of Foreclosure

Contact Homeownership