MSHDA Program
We're here to help you find the home of your dreams. With a team of experts guiding you every step of the way, our extensive knowledge and experience will ensure you have the best home buying experience possible.
FHA Loans
FHA offers several loan options for rural and investment properties including properties purchased for investments or primary residences in need of renovations.
- FHA BASIC HOME MORTGAGE (203B)
FHA (203K) INVESTMENT LOAN
FHA REVERSE CONVERSION LOAN FOR SENIORS
ADJUSTABLE RATE MORTGAGES
AVOIDING FORECLOSURE
FHA LENDER LOCATOR
SINGLE FAMILY CONDOMINIUM MORTGAGES
TITLE 1 MANUFACTURED HOME LOAN PROGRAM
MORTGAGE INSURANCE FOR DISASTER VICTIMS (203H)
STREAMLINE REFINANCE YOUR MORTGAGE
Rural Homebuyers
The USDA offers programs and grant opportunities exclusively available to Rural Homebuyers. These grants are intended to aide in Farming & Agricultural operations as well as provide incentives for land owners to preserve percentages of property for wildlife conservation and habitat preservation. This is my area of specialty for home buyers! For information directly from MDARD on these programs and what qualifications are required visit their website below.
Habitat and Wetland Considerations for Land Owners
Conservation Reserve Program
Provides a voluntary program to agricultural producers to help them safeguard environmentally sensitive land. Producers enrolled in CRP plant long-term, resource-conserving covers to improve the quality of water, control soil erosion, and enhance wildlife habitat. In return, CCC provides participants rental payments and cost-share assistance. Contract duration is between 10 and 15 years. CRP was authorized by section 1231 of the Food Security Act of 1985, as amended (Pub. L. 99-198)(16 U.S.C. 3831, et seq.).
Michigan Vernal Pool Partnership
Information provided by Michigan Vernal Pool Patrol Partnerships is available to provide land owners with wetland identification and measures that can be taken to ensure these habitats are preserved on home owner property.
Grassroots Water Protection Program
The Source Water Protection Program (SWPP) is a joint project with the U.S. Department of Agriculture (USDA) Farm Service Agency (FSA) and the National Rural Water Association (NRWA), a non-profit water and wastewater utility membership organization. The SWPP is designed to help prevent pollution of surface and ground water used as the primary source of drinking water by rural residents.
Other Resources
The following organizations are dedicated to preserving and protecting wildlife and habitats throughout Michigan.
Michigan Nature Association
The Michigan Nature Association is a nonprofit conservation organization working to protect Michigan's rare, threatened and endangered species by protecting the lands and waters they need to survive.
Michigan Audubon
Michigan Audubon protects nearly 4,000 acres of bird habitat through our network of 20 sanctuary properties in Michigan’s Upper and Lower Peninsulas.
Legacy Land Conservancy
Legacy protects a variety of types of land: rural and urban preserves, preserves with towering beech trees and carpets of spring wildflowers, and recreational lands.