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Home and Consumer

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Home and Consumer

Buying your first home? Wondering about the charges and fees on your utility bill? These resources offer tips and explanations for homeowners.

Consumer Tips for Utilities and Services

Utilities and services can be confusing but they don't have to be if you know these tips.

Telephone Tips

Natural Gas Tips

Electric Tips

Video/Cable/TV Tips

Explanation of Utility Charges

Ever received a utility bill and wondered what all of those little fees and charges meant? Review these resources to learn what they are.

Telephone Bill Charges Explained

Electric Bill Charges Explained

Other Resources

Buying Your First Home

Thinking about buying a home? We have information that can help! Got questions? Talk to one of our housing counselors!

Michigan State Housing Development Authority (MSHDA)

Mortgage down payment assistance and housing education.


A mortgage loan is a loan that a bank or lender gives you to help finance the purchase of a house. The house you buy acts as collateral in exchange for the money you are borrowing to finance the mortgage for a house. A mortgage payment is generally composed of four parts: principal, interest, taxes and insurance. It is normally paid on a monthly basis.

Reduce Your Bills: Reduce Your Energy Waste

Energy Waste Reduction (EWR) has become a top priority in Michigan. For every $1 spent on these energy efficiency programs, customers can save $4 in avoided energy costs.

Your Guide to Fair Housing

Know your rights when renting, buying, financing, or insuring your home.