Housing Assistance Programs
Benefit: Provides rental assistance to qualified students while pursuing higher education and/or a vocational program.
Structure: Monthly assistance of up to $500 per month and a one-time security deposit of up to $500 will be awarded to an eligible full-time student.
Once the completed application has been submitted and the minimum requirements have been met, the Housing Department will advance the monthly rental assistance award and/or security deposit directly to the Landlord. The rental assistance award is only valid for the trimester/semester in which it is executed and must be renewed for future trimesters/semesters.
- Be a full-time student as determined by the higher education or vocational program located within the continental United States, including accredited Internet-based programs.
- Must fall within HUD established income limits.
- Complete the trimester/semester with a cumulative 2.0 GPA.
- Return completed College Housing Assistance Agreement within 30 days from the date of the award
Down Payment Assistance
Grant Funded, Tribally Funded
The Down Payment Assistance Program offers Gun Lake Tribal Citizens the opportunity to receive a matching award, up to $10,000, towards down payment and closing costs when purchasing a primary residence. The Housing Department will match the Applicant’s contribution, dollar-for-dollar, up to a maximum of $6,999. If the Applicant contributes $7,000, the Department will award an additional $3,000 for a total benefit of $10,000. Some program qualifications include, but are not limited to the following:
- Enrolled Gun Lake Tribal Citizen at least 18 years of age
- Have a debt to income ratio of 41% or less
- Complete an approved Home Buyer Education Class
- Be prequalified by a lending institution
The Down Payment Assistance Program is a great opportunity for our Tribal Citizens to realize their goal/dream of Homeownership.
Benefit: Provides financial support, up to $10,000, towards the purchase or refinance of a home.
Structure: The Housing Department will match the Applicant’s contribution, dollar-for-dollar, up to a maximum of $6,999. If the Applicant contributes $7,000, the Department will award an additional $3,000 for a total benefit of $10,000.
- Must complete a Homebuyer Education Class conducted by the Housing Department.
- Benefit can only be applied to a primary residence.
- The mortgage loan amount combined with any Down Payment assistance cannot exceed 100% of the appraised value of the property.
- The property must be zoned for residential use, wood-frame and/or other approved construction type, and meet the Department’s inspection requirements.
- Have a debt-to-income ratio, including housing cost, less than 41% of the Applicant’s income.
- Shall not be eligible for any other assistance program for a five-year period, with the exception of the Sewer/Sanitation Program.
“I'm so thankful to have been able to use the Down Payment Assistance Program twice now! I initially used the program in 2005 to assist in the purchase of our family's first home. Carrie makes the process so easy. It’s very clear what you need to do and as long as you follow through, you should be all set. Let’s face it – nothing that you do will ever make the home buying process stress-free. Purchasing a home is a stressful process. However, working with the Tribe’s Housing Department was a breeze. Do your part as a Tribal Citizen by keeping in touch and meeting the requirements that are set and it really is an “easy” process. My family and I are so incredibly thankful for the Down Payment Assistance Program and the Tribe’s Housing Department. We are in our new home today because of this program”.
-Becky TenBrink, Housing Improvement Program
The Rental Assistance Program provides up to $350 for Tribal Citizens and Legal Guardians of Minor Tribal Citizens seeking temporary housing assistance. Qualified applicants looking for rental housing assistance must provide proof of residence, a documented financial need and reside or intend to reside in a home that meets the Housing Department’s Housing Quality Standards. Applicants will work closely with a Rental Specialist to determine affordability, set goals and identify housing and financial barriers while simultaneously gathering their own permanent resources to become self-sufficient.
The Rental Assistance Program also allows applicants the opportunity to remain in their current home or obtain new housing. Assistance funds are paid directly to the landlord and applicants may be eligible for a one-time only security deposit of up to $500. The applicant must provide proof of funds for any out of pocket expenses required to meet their monthly housing obligation. The assisted residence must be located in Allegan, Barry, Ingham, Isabella, Kalamazoo, Kent, Muskegon, Newaygo or Ottawa County and in a location other than the home of a parent, relative, guardian or spouse. Other eligibility requirements may apply to qualify for the Rental Assistance Program.
Benefit: Provides temporary rental assistance, up to $350 per month, or a one-time award of $500 to assist with past due rental payments and security deposits, to allow the applicant to gather all resources necessary to become self-sufficient.
Structure: Once the completed application has been submitted and the minimum requirements have been met, the award amount will be advanced to the Landlord. The recipient must continue to maintain the eligibility requirements, including successfully meeting the goals and objectives that were collectively developed with the Department and Program Partners.
- Recipient must be a Gun Lake Tribal Citizen or a legal custodian of a Tribal Citizen minor.
- Complete a Rental Assistance Agreement within 30 days from the first rental payment disbursement. The agreement includes an initial meeting with staff to assess and discuss individual family strengths and weaknesses in order to collectively develop goals to be achieved on a quarterly basis.
- Must reside in one of the following counties: Allegan, Barry, Ingham, Isabella, Kalamazoo, Kent, Muskegon, Newago or Ottawa.
- Provide a lease or other acceptable documentation that includes the name of the applicant.
- Be subject to an inspection of the residence.
The Supportive Housing Program provides temporary emergent housing for Gun Lake Tribal Citizens as well as the legal guardian/custodian of a minor Tribal Citizen. The program is for Tribal those that are currently in transition because of domestic violence, incarceration, homelessness or any condition that jeopardizes one’s health and safety. The Supportive Housing Program involves Gun Lake staff from Housing, Public Safety and Health & Human Services. Collectively, the Supportive Housing partnership administers support services essential for long term housing stability. The assisted residence must be located in Allegan, Barry, Ingham, Isabella, Kalamazoo, Kent, Muskegon, Newaygo or Ottawa County unless otherwise approved by the Supportive Housing Committee. The emergency phone number for assistance is (269) 397-1699.
Benefit: Provides temporary, transitional housing for at-risk Tribal Citizens and eligible non-Tribal Citizens, specifically, but not limited to, alleged victims of an act of domestic violence, those who are recently released or soon to be released from tribal, state or federal incarceration as well as those who are homeless to ensure safety and self-sufficiency.
Structure: Once the application process has been completed, a determination regarding the availability of a suitable, safe and sanitary housing unit which meets the needs of the applicant and accommodates family size and composition is made. The length of stay that a recipient may receive under the Supportive Housing Program is 21 days and may be increased at the discretion of the Housing Committee, based upon recommendations of the Supportive Housing Subcommittee, by increments of seven days but not to exceed 42 days. The recipient must continue to maintain the eligibility requirements, including successfully meeting the goals and objectives that were collectively developed by the recipient and Supportive Housing Subcommittee.
- Recipient must be a Tribal Citizen or legal custodian of a Tribal Citizen minor.
- Applicant must be one of the following:
- An alleged victim of an act of domestic violence within the past 30 days who can demonstrate to the Supportive Housing subcommittee, or its delegate, a reasonable belief that the individual has been the victim of a domestic violence, dating violence, sexual assault, stalking or other dangerous condition where the health and safety of the individual and/or the individual's children are jeopardized, and who have no other residence and lack the resources or support networks to obtain other permanent housing
- Been released from a Tribal, state or federal penal institution within the past 30 days in which he/she served more than 10 days in jail
- Must receive services within Allegan, Barry, Kalamazoo, Kent or Ottawa counties (the “Service Area”) unless otherwise approved by the Supportive Housing subcommittee