MSHDA Home Repair Loan Program

Michigan State Housing Development Authority

Available Home Repair

About This Program

MSHDA Home Repair Loan Program is available to homeowners in St. Clair Shores, MI.

Low-interest loan program for necessary home repairs and accessibility modifications. Available to moderate-income Michigan homeowners through participating lenders. Fixed interest rates below market, terms up to 15 years.

Loan amount based on repair needs and income, estimated monthly payment shown

Data last verified 2026-06-09. How we verify our data.

In St. Clair Shores, MI, you can combine this program with other local help to cut your cost:

Key Details

  • Low-interest loans up to $25,000
  • Income limits vary by household size and county
  • Fixed rates below market average
  • Terms up to 15 years
  • Apply through participating Michigan lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(517) 373-8370

A grant-savvy contractor in St. Clair Shores, MI can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in St. Clair Shores early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing through participating lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can MSHDA Home Repair Loan Program provide in St. Clair Shores, MI?

Up to $25,000 loan.

Who qualifies for MSHDA Home Repair Loan Program in St. Clair Shores?

MSHDA Home Repair Loan Program is open to homeowners in St. Clair Shores, MI.

How do I apply for MSHDA Home Repair Loan Program in St. Clair Shores, MI?

Apply directly with Michigan State Housing Development Authority using the official program link on this page or call (517) 373-8370. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse St. Clair Shores, MI contractors

Find More Programs in St. Clair Shores, MI

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs