Housing for Home Owners

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For Tribal Housing issues, see the MILS page on Tribal Housing.

The Section 184 Home Loan Guarantee Program seeks to increase access to home financing for Native Americans. HUD guarantees Section 184 loans, encouraging national and local banks to provide mortgage loans to Native Americans. Section 184 Loans are restricted to single family homes and can be used for purchasing a home, new construction, refinance, or rehabilitation. Only enrolled members of Federally Recognized Tribes are eligible for a Section 184 Loan. Find out more about the Section 184 Home Loan Guarantee Program.

Contact MILS

For on-Reservation Housing issues, please call MILS at 231-947-0122.
Also, if you do not qualify for assistance from your local legal aid, please call us.
Starting October 1, 2023, MILS has a 3-year DHHS ANA grant to provide legal assistance for eviction defense and helping those who are housing insecure overcome Barriers to Housing (up to 300% of poverty).

Lakeshore Legal Aid Video Library:

Tax Foreclosures

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For local information on Fair Housing, please see the Fair Housing Center of West Michigan's site.

Michigan Legal Help has several resources for additional information on housing law in Michigan.

For information on the History of US Homeownership, please see this short video.

Other Sources of Help

For help with off-Reservation housing issues, please call your local legal aid office. For the northern half of the state, visit LSNM to find the correct office to call. Call 888-783-8190 for the southern half of the state.
In the Detroit area, assistance is also available through Neighborhood Legal Services, Michigan Legal Services, and Legal Aid and Defender.
For contact information for Indian Legal Services programs in other states, please visit the MILS NAILS page.

Foreclosure

If you fall behind on mortgage payments, you could face foreclosure. Your lender has the right to sell your property if you do not catch up on your payments or come to an agreement. After the foreclosure process, you can be evicted from the property.

If you are facing foreclosure, contact a housing counselor for assistance. If you believe something is wrong with the foreclosure, you may want to contact a lawyer. To reach a legal aid attorney, please call 888-783-8190.

If you experienced financial hardship due to the COVID-19 pandemic, you may be eligible for the Michigan Homeowner Assistance Fund. Find out more about MIHAF.

Housing for Home Owners

Foreclosure

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