• Who We Are

    Northern Homes Community Development Corporation, Inc. is a non-profit organization focused on creating affordable housing. We incorporated in 1998 and received 501(c) 3 designation that same year. We are an approved HUD Counseling Agency with certified MSHDA Housing Counselors. 
  • Who We Serve

    We work with families and senior citizens in Antrim, Charlevoix, Emmet, Cheboygan, Otsego, Crawford and Roscommon Counties.
  • Our Mission

    To create and preserve quality affordable housing opportunities for Northern Michigan residents through education, development, and partnering with local communities.
  • Our Vision

    Northern Michigan will have strong communities with affordable housing opportunities for all, and families will have the knowledge to make good decisions regarding credit and housing options.
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  • Current Events & Helpful Tips
  • Attend a Workshop
  • Avoid Foreclosure
  • Buy/ Rehabilitate a Home
  • Rent an Apartment



Last Updated 05/23/2016               





Homebuyer Education

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Homebuyer Education Workshops held EVERY 2nd SATURDAY of the month

from 9 AM to 4 PM at Northern Homes CDC's office, located in the Boyne City Airport

MUST PRE-REGISTER by calling (231) 535-0195




FDIC's Money Smart Workshop

Money Smart Workshop

Call (231) 535-0195 to register or send an E-mail by clicking here!



Links to Helpful Information


23 Ways to Make Your House Look Awesome for $50 or Less


Shopping for a Home? Beware these 17 Flaws


Selling Your Home? 18 Ways to Kick up the Curb Appeal


When is Home Renovation Worth it?


Home Improvements that Qualify for Tax Deductions


21 Ways to Beat the High Cost of Air Conditioning


More Seniors Are Doing Reverse Mortgages. Is This a Good Idea?


Considering a Fixer-Upper? 15 Ways to Avoid a Money Pit


10 Tips to Live Within Your Means — Painlessly









Be Smart With Your Money!

 Money Smart Workshop


Workshops are being offered throughout Northern Michigan.

Workshops consist of two 3-hour sessions; you must attend both sessions.


Call to register at (231) 535-0195 or E-mail by clicking here.





& Counseling Services

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Are you tired of renting?

Do you dream of owning your own home?


Northern Homes offers free one-on-one counseling for new homebuyers which cover the following topics:

  • Understanding your credit & personal credit report review
  • Smart budget practices & creating a custom budget that fits your lifestyle
  • Are you ready to buy?
  • Which mortgage products are available to first-time homebuyers
  • Down payments, interest, closing costs, and other fees
  • Inspectors and realtors
  • Homeowner's insurance
  • How to protect yourself from housing scams and predatory lending practices


Upon completing the Homeownership Training Counseling Sessions you will receive the certificate that is typically required by lenders when entering into a government loan program such as MSHDA, RD Rural Development, FHA or VA.


Call us at (231) 535-0195 to schedule an appointment and make your dream of homeownership a reality.


Northern Homes is a HUD* Certified Housing Counseling Agency and our Counselors are Certified by MSDHA* as LINKS to Homeownership Counselors. 


If you do not have the time to take advantage of our free Homebuyer Education Workshop

you may take the course online at  ehome-logo  for a minimal fee. After completing the online

course you will receive a certificate that is required by many mortgage lenders.




“The class made me realize how serious my debts were and that my debt ratio was way out of alignment.” Gaylord Class Participant

“Each week offered a new speaker or topic to explain more options for credit repair. The classes made me feel less “alone” in the credit mess I’ve created.” Petoskey Class Participant

“I feel I know a bit more about how to budget my money and save for the future. “ Mancelona Class Participant

“I expected to learn what to do with my bills but didn’t expect Alice to help me write the letters.” Gaylord Class Participant

“I knew what I needed to do; I just wasn’t sure how to do it all. Alice helped us with that.” Mancelona Class Participant

“The class actually delivered more than I expected because I was at the end and now I have options.” Gaylord Class Participant

“I think everyone could learn a lot from this class.” Grayling Class Participant

“The classes helped not only with my every day budget, but also gave me hope as a future homeowner.” Gaylord Class Participant


Letter From Participant


I would like to thank you on behalf of my husband and myself. Your Financial Management, Budgeting, and Credit Repair Class has helped our family tremendously in only seven weeks.

When I began your class, my husband and I felt like we were drowning. We had no budget, no knowledge of money management, and no strategy to pay off our debts and fix our credit. We thought we would be “renters” for life. With your help, I learned that I was not drowning. You taught me that even the worst credit can be helped. Because of all of your help my husband and I will be debt-free in 35 months. We can see “the light at the end of the tunnel”.

Thank you, thank you, thank you. This class should be a requirement in high schools everywhere. If we can educate people when they are young, no one will ever have to have credit problems.

Thank you and your company, Northern Homes Community Development Corp. for sponsoring this class. I hope many more people are shown “the light”.

Thank you and God Bless,

Jennifer and Brian V.

P.S. Alice, I will be contacting you when we are ready to purchase our home for your Pre-Purchase/ Mortgage Classes.



 Is your home at risk of foreclosure?   

Have you contacted your mortgage company, but haven’t been able to get the answers you need or the help that you deserve?

Don’t be scammed by companies that falsely guarantee your home’s security in exchange for fees. Northern Homes CDC is a HUD & MSHDA certified housing counseling agency that offers FREE housing counseling services to Northern Michigan residents. Our counseling services are tailored to meet the needs of individuals with the goal of overcoming obstacles in order to retain home ownership.

What Northern Homes CDC can do for you:

  • Provide an explanation of options that are available to you such as loan modifications, government assistance programs, repayment plans, or forbearances.
  • Assist you in the application process for available options.
  • Help you to negotiate a loan work-out plan with your lender and/or their attorney.
  • Help you take control of your finances by creating a budget that you can live with.
  • Explain your rights and responsibilities in the foreclosure process.
  • Provide you with referrals to other agencies who may lend additional assistance and support.

Don’t let anyone take your home!

Call Northern Homes CDC today and take the first step towards saving your piece of the American dream.

Please call (231) 535-0195 or send an email by clicking here.





Important Information


Important Links

 Toolkit LogoCommunity Foreclosure Response Toolkit

     Scam Alert Icon  Loan Modification Scam Alert

     HUD IconUS Department of Housing and Urban Development


Get up to $25,000 to repair a home you're buying!

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Northern Homes has loans and grants to help you buy and repair a home through the Home Purchase Rehabilitation (HPR) Program.

If you qualify, you could receive up to $25,000 towards repairing your home and up to $10,000 for down payment and closing costs.



Qualification guidelines:

  • You must have good credit and be able to obtain a mortgage from a bank to be able to purchase the home.
  • You must have a qualifying annual income.

Income guidelines: Please call us for exact income limits.




$33,700- $40,650 per year (depending upon location)


$42,100- $50,800 per year (depending upon location)


  • The home must be within the city limits of specified target areas: Alanson, Boyne City, Charlevoix, East Jordan, Cheboygan, or Petoskey.
  • You must complete our free Homebuyer Education Workshop and One-on-One Counseling session.
  • You must be able to pay a minimum of 1% towards the purchase of your home.
  • You can not currently own a home.
  • You must use the home as your primary residence.


Typical repairs include items for safety, health, and energy efficiency such as new furnace, water heater, roof, insulation, or exterior doors if needed.


Download application package here.


Please call (231) 675-5457 for more information, or E-mail by clicking here .


MSHDA Down Payment Fairy Video

Our Apartment Communities

Charlevoix County- East Jordan

Now Open- Brand New Affordable Apartments for Adults Age 62 and Older

Meredith Manor- NEW FLYER 2016


Click here to print an application for Meredith Manor. 


Photos of Meredith Manor:     

  Exterior and Common Areas

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 Individual Unit Interior and Exterior

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Emmet County- Petoskey

Maple Village I and II

 Maple Village 1 Maple Village                                    Maple Village DR

1695 Meadow Way, Petoskey, MI 49770

Maple Village Apartments I and II offer modern, spacious, 2-and 3-bedroom apartments. Our apartments feature large closets, washer and dryers, dishwasher, private entrances, and convenient parking. We are centrally located just 5 minutes from the downtown shopping district of Petoskey, restaurants, and hotels. We also have easy access to US 131 and are within walking distance to Wal-Mart, Home Depot, Lowes, and Office Max.

Please call (231) 347-3755 for more information on availability and current rates.


Antrim County- Bellaire

Bellaire Senior Apartments

Bellaire Senior Housing

109 - 117 Beech & 522 - 532 Thayer, Bellaire, MI 49615

The Bellaire Senior Apartments community has 2-bedroom apartments that are reserved for Senior Citizens age 55 and older. Each apartment features large closets, a washer and dryer and an attached one-car garage. Our community is nestled in a nice wooded area within walking distance (just one block) from the Bellaire Senior Center.

Please call (231) 347-3755 for more information on availability and current rates.



Crawford County- Grayling

Cobble Creek I

Cobblestone 1

140 Cobble Creek, Grayling, MI 49738

Cobble Creek I offers spacious 1-3 bedroom apartments with on site laundry facilities, individual storage lockers and a playground area. Barrier free units may be available. This institution is an equal opportunity provider, and employer. Current rates are based on income.

Please call (989) 348-3150 for more information on availability and current rates.


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