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Housing Solutions


Fair Housing

Home-Buyer Counseling

Landlord/Tenant Issues

 

         

Predatory Lending

Reverse Mortgages

Subsidized Housing/Referrals

 

Fair Housing

It is illegal for real estate agenginces, apartment complexes, or property owners to turn a person away from housing solely on the basis of race, color, religion, sex, handicap, family status, or national origin.

If you feel you have been discriminated against while seeking housing, contact:

  • Oakland County Housing Counseling at 248-858-5402 or
  • The Fair Housing Center of Metropolitan Detroit at 313-963-1274

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Home-Buyer Counseling

You want to buy a home, but you don't know where to begin. Our Housing Counselor will help you determine if you are ready for homeownership.

Learn how to determine: 

  • What you can afford,
  • how much down payment you will need, and
  • how to improve your credit.

Our councelors will also explain the differences between various types of mortgages, how to apply for a mortgage and how it is reviewed. Factors in picking a type of home and neighborhood are covered as well as how to work with a realtor, how to make an offer on a home, and what the closing process is all about.

This counseling is required for many mortgages and is a free service of Oakland County. You can schedule an appointment at 248-858-5402.

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Landlord/Tenant Issues

If your landlord is threatening to evict you, will not make needed repairs, or if your landlord refuses to return all of your security deposit, call the housing counselor at 248-858-5402. There are laws to protect you.

The Housing Counselor provides education on landlord and tenant issues including lease agreements, evictions, and security deposit law.

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Predatory Lending

Trying to refinance your way out of mortgage problems? Be careful!!

There are predatory lenders out there waiting to steal your home equity. Check out the "Don't Borrow Troubleor call the Michigan Department of Civil Rights at 1-800-482-3604.

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Reverse Mortgages for Senior Citizens

Many senior citizens have a lot of value in their homes but not enough income to pay property taxes, keep up on home repairs, or maintain their life style. There is a loan regulated by the Federal Government called a reverse mortgage that might solve this problem for you. This loan does not need to be repaid as long as you continue to live in your home. Homeowners must be at least 62 years old.

The Oakland County Housing Counselor will explain this program to you and your family without charge or obligation. Call 248-858-5402 for an appointment.

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Subsidized Housing/Housing Referrals


Many low-income residents of Oakland County seek assistance in the payment of their rent. While Oakland County Community and Home Improvement does not administer a rental assistance program, we have listed below the Public Housing Commissions whose jurisdictions lay within our participating communities.

  • Ferndale Housing Commission
    415 Withington
    Ferndale, Michigan, USA, 48220
    248-547-9500
  • Royal Oak Twp Housing Commission
    8900 Cloverdale
    Ferndale, Michigan, USA, 48220
    248-398-8101
  • Madison Heights Housing Commission
    300 West Thirteen Mile Road
    Madison Heights, Michigan, USA 48071
    248-583-0843
  • Southfield Housing Commission
    26000 Evergreen
    Southfield, Michigan, USA 48034
    248-796-4170
  • Pontiac Housing Commission
    132 Franklin Boulevard
    Pontiac, Michigan, USA 48341
    248-338-4551
  • South Lyon Housing Commission
    1160 Sheridan Drive
    Plymouth, Michigan, USA 48170
    734-455-3670
  • Royal Oak Housing Commission
    211 Williams
    Royal Oak, Michigan, USA 48068
    248-246-3290
  • Michigan State Housing Development Authority (MSHDA)
    248-299-1253 - JDG Associates

Other links: 

www.communityhousingnetwork.org 
www.michigan.gov/mshda

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