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The Housing Department services include:- Emergency housing services loan program- Emergency rental assistance- Home renovation- Housing renovations for housing that serves older adults and people living with a disability- Transitional housingWaiting lists are provided for:- Affordable rental housing- Home loan (financing to purchase an existing home, construct a new home, or refinance an existing home mortgage)

Services to home buyers:- Down payment and closing cost assistance- Home ownership preparation- Mortgage lending and prescreening- Prepurchase property inspectionsServices to homeowners:- Bid review and construction management- Free home inspections and lead paint hazard risk assessments- Home improvement planning- Low interest deferred loans- RefinancingServices to the neighborhood:- Neighborhood marketing- Neighborhood planning and development- New home construction and sales- Renovated homes for sale- Resource referrals

Statewide purchase and refinance loan programs are available for first-time and repeat homebuyers. They provide affordable interest rates and monthly payments, plus optional down payment and closing cost assistance for eligible buyers.Visit the website for current income and home cost limits, and to find a nearby lender.Homebuyer education may be required for some mortgage programs. Attend Home Stretch for in-person training, or Framework for online training.

Builds and improves homes in partnership with local families. Habitat homebuyers help build their home alongside volunteers, then purchase the home with an affordable mortgage.

Non-profit agency committed to working with low income families to build decent housing with the aid of volunteers. A minimum of 350 sweat equity hours is required (a combination of construction, financial literacy program, home stretch and other homeowner related workshops) per adult.

The Rochester Area Foundation's First Homes initiative was launched in 1999 as an effort to alleviate a severe housing shortage by creating homes for working families living within a 30-mile radius of Rochester.First Homes assistance is limited to working families earning under 80 percent of the state median income.

Homeownership opportunities for low income families with third party financing

Helps finance repairs for one- to four-unit properties, including duplexes, single-family homes, and townhouses. Offers secured and unsecured loans ranging from $2,000 to $75,000, with options that may or may not require monthly payments. Grants are available to address lead-based paint risks. Referrals are also provided to grant and volunteer-based no-cost programs.

Down Payment Assistance ProgramThis is only for existing buildings, not for a person building a new home. It also does not apply to mobile homes. The home must be within the city limits of Gaylord. The economic authority accepts applications on a monthly basis and the board approves them once a month.Business Loans:Revolving loan fund information for homes and businesses. The Economic Development Authority (EDA) advises the city council regarding economic development, housing, and redevelopment matters, and exercises certain powers as authorized by the council.