• 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’re 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 First Home Mortgage - Down Payment Assistance Available!
    For first-time homebuyers or repeat buyers in targeted areas.

    MI Next Home Mortgage - Down Payment Assistance Available!
    For repeat homebuyers looking for more flexibility in a mortgage.

    Mortgage Credit Certificate (MCC) (Reopening June 2016)
    Homebuyer federal tax credit – available for up to 30 years after purchase!

    Individual Development Accounts
    Matched savings account to help low-income families save for homeownership, education, or a business.

    Housing Education Program
    Housing education, classes and workshops.

    MSHDA Mortgage Interest Rates
    Current interest rates for MSHDA mortgage products.


    Help for Distressed Homeowners
    Forgivable loans for distressed homeowners, foreclosure prevention counseling and resources, understanding the stages of foreclosure.

    Property Improvement Program (PIP)
    Home improvement loans for homeowners and rental property owners.

    Grant for HARP Refinancing
    $500 grant for homeowners eligible to refinance under the Home Affordable Refinance Program.

    Contact Homeownership