Porter County Aging and Community Services - PCACS
Nonprofitemergency situations as medical and housing repair expenses as well as mortgage or rent payments and car repairs
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(219) 464-9736
Financial Help for Single Mothers
NonprofitThis website helps financially struggling single mothers with finding assistance through grants and government assistance programs. Services are free of cost.
LaCasa Inc.
Available in the City of Goshen only: https://lacasainc.net/programs/help-a-house/
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(574) 533-4450
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(574) 533-4399
Habitat for Humanity of NWI
Habitat for Humanity of Northwest Indiana help families earning between 30 to 80% of the average income level, demonstrate a need for a home and agree to complete 300 hours of volunteer time which includes construction of their home, and are responsible for a 0% interest monthly mortgage payment and home maintenance. Through the homeownership education program and financial counseling, Habitat partner families are given the tools to be successful in this life changing opportunity. More information at nwihabitat.org/home-ownership or call our Family Services Coordinator 219-923-7265
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(219) 923-7265
Indiana Housing & Community Development Authority (IHCDA)
NonprofitFIRST PLACE (FP) Down Payment Assistance (DPA) of 6.0% Based on the purchase price, Not to exceed the appraised value. Must be a first-time homebuyer, unless: The subject property is located in a qualified census tract, The borrower is a veteran, FHA, 30-year fixed loan, Minimum FICO credit score of 640 with a DTI of less than 45.00%, Minimum FICO credit score of 680 with DTI greater than 45.00%, but less than 50.00%, For detailed information, click here: First Place (FP) Program Guide - updated January 26, 2021 https://www.in.gov/ihcda/files/FP-Program-Guide-1.26.20.pdf
Centier Bank
Free homeownership e-course https://www.centier.com/centier-to-you-homeownership/ https://www.centier.com/personal-banking/mortgages-loans ---types of mortgages available at Centier https://drive.google.com/file/d/1roE1Bk3qN9vqzjfuwTrR3_zCgOKaKoEk/view?usp=sharing - Home Buying comparison https://drive.google.com/file/d/1rAsWO5pMxoR0UyfyxXJXVYLffQmByveA/view?usp=sharing - Tips for homeownership
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(219) 755-6140
First Merchants Bank
BusinessNext Horizons Mortgage: --Up to 100% and up to $7,500 First Merchants Bank grant for Down Payment and/or Closing Cost Assistance. --Total Debt/Income ratios of 47%. Flyer: https://drive.google.com/file/d/1JNZyRxCo6BdOnv_Dhog_D1jSAMCy62iu/view?usp=sharing - Wesbite https://www.firstmerchants.com/personal-banking/borrowing/mortgage/next-horizons-mortgage
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(765) 747-1300
First Savings Bank of Hegewisch
BusinessResilient Communities Loan Program https://drive.google.com/file/d/1vsQH4RhhIk53EPqxT2hwgyPqBjYKz-15/view?usp=sharing For Homes in Gary, Hammond & East Chicago -- free credit counseling provided, $1000 down payment assistance provided by the bank.
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(773) 646-4200
BMO Harris Bank
Businesshttps://drive.google.com/file/d/1C4lW3m3mOqb9ycA9s7ZjEcokJeRnfUPK/view?usp=sharing WEBSITE- https://www.bmoharris.com/main/personal/mortgages/low-down-payment-mortgages/ STEPS TO HOMEOWNERSHIP https://www.bmoharris.com/pdf/mortgage/steps-to-homeownership.pdf Did you know??? ? You DO NOT need 20% in down payment to buy a home. ? You need as little as $1,500 from your own funds. ? You could get up to $9,000 (or more) to help with down payment or closing costs. ? Roughly 80-90% of homebuyers eligible for these programs don’t know they exist! ? Attend one of our free homebuyer education classes. Please feel free to contact me Loretta.Minor@bmo.com / 312-237-5532
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(312) 237-5532
First Financial Bank
https://www.bankatfirst.com/personal/discover/flourish/picking-best-mortgage.html
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(219) 227-3280
Old National Bancorp
https://www.oldnational.com/advice-and-tools/education/buying-your-first-home
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1 (800) 731-2265
Indiana Housing & Community Development Authority (IHCDA)
NonprofitNEXT HOME (NH) Down Payment Assistance (DPA) of 3.50% Based on the purchase price. Not to exceed the appraised value. Can be combined with the Mortgage Credit Certificate (MCC). FHA 30-year fixed loan, Minimum FICO credit score of 640 with a debt-to-income ratio of less than 45%, Minimum FICO credit score of 680 with debt-to-income ratio greater than 45%, but less than 50% For detailed information, click here: First Place (FP) Program Guide - updated January 26, 2021 https://www.in.gov/ihcda/files/Next-Home-1.26.21.pdf
Indiana Housing & Community Development Authority (IHCDA)
NonprofitMORTGAGE CREDIT CERTIFICATE (MCC) Is a Federal income tax credit, and can assist the borrower in: Reducing their federal income tax liability, Increasing their qualifying income, Must be a first-time homebuyer, unless: The subject property is located in a qualified census tract, The borrower is a qualified veteran, Can be combined with the Next Home Program, Can be used with Ginnie, Fannie, or Freddie financing For detailed information, click here: MCC Program Guide - updated December 16, 2020 https://www.in.gov/ihcda/files/MCC-PROGRAM-GUIDE-12.16.20.pdf
Lake County Economic Development Department
GovernmentUp to $5,000 in down payment assistance. https://lakecountyin.org/departments/economic-devl/housing-assistance-programs
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(219) 755-3000
NWI Veterans Village
NWI Veterans Village is a Permanent Supportive Housing program specifically for veterans battling homelessness. The property contains 44 single, multi-family units. All apartments are fully furnished, including all major appliances. There are no utility charges, electricity and water services are included. Free laundry machines are available for residents on all three floors. We offer free Internet service in our computer lab, as well as a weight/fitness room, community room/cafeteria, rooftop patio and urban garden. NWI Veterans Village is an LIHTC Section 42 Federal Housing First program. Rental charges are determined on an individual basis, and may not exceed 30% of a renter's annual income. The annual income limit for qualified applicants is currently set at $30,600. We provide a variety of Permanent Supportive Services, including on-site VA case management, informational presentations, community events, pantry supplies, counseling services, rental assistance, NA meetings, etc. Please call 219-951-0460 to make an appointment.
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(219) 951-0460
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(219) 951-0624
Salvation Army Retail Store - Merrillville
NonprofitStore open from 10:00am-6:00pm
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(219) 736-6240
Starke/Pulaski Habitat for Humanity
NonprofitHabitat for Humanity is a nonprofit organization that helps families build and improve places to call home. We believe affordable housing plays a critical role in strong and stable communities.
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(574) 896-2811
Calumet Township Trustee
GovernmentHousing assistance for rent or mortgage can be provided if applicants meet the eligibility requirements. Shelter space may also be available depending on eligibility. Verification is required.
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(219) 880-4000
Society of St. Vincent de Paul, District Council of Gary
ChurchThe SVDP District Council phone takes messages 24/7. Volunteers come in 3 days a week to catch up on calls. Leave your name and phone number on the answering machine and someone will contact you ASAP.
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(219) 845-7531
Society of St. Vincent de Paul - St. Bridget
Church-
(219) 942-6441
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(219) 942-4573
Society of St. Vincent de Paul - St. John the Evangelist
Church-
(219) 323-5205
City of Hammond
GovernmentApplicants may receive up to $2,500.00 to assist with their down payment, on an existing new home, $3,500.00 for Hammond Police, Fire, or Educational professionals, and $5,000.00 on new construction. You must be a first time homebuyer or have not owned a home in the past 12 months. There are income restrictions. The house you are purchasing must be your principal residence. Please call the Hammond Redevelopment Department at 853-6371 for more information or to see if you will qualify.
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(219) 853-6300
East Chicago Housing Authority
Government-
(219) 397-9974
Gary Housing Authority
GovernmentThe Gary Housing Authority is the largest provider of affordable housing in the City of Gary. The Authority has an unparalleled commitment to redeveloping and managing its housing stock to provide low-income families, the elderly and disabled individuals with access to quality, sustainable housing that improves the quality of their lives, fosters their economic success, and allows them to serve as integral members of communities in which they live.
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(219) 881-6400
Hammond Housing Authority
GovernmentThe HHA provides homes for low-income families and individuals. Those who meet income requirements are selected in accordance with the Hammond Housing Authority Occupancy Policy.
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(219) 989-3265
Northwest Indiana Community Action
Nonprofit-
(219) 794-1829
Housing Opportunities
NonprofitPrograms that resolve and prevent homelessness for adults, children, and seniors in Porter and LaPorte counties. Visit www.hoi.help for more info
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(219) 548-2800
Greater Hammond Community Services
Serving clients as usual during this closed period with only necessary face to face interactions by appointment only (scheduled in advance by calling (219) 932-4800 ext. 104). Documentation will be accepted in the following ways: 1. Drop off necessary paperwork in the outside drop box, located on the Cedar Ave side of the building 2. Upload necessary paperwork and email to: roseservices@yahoo.com 3. Mail necessary paperwork to the following address: GHCS, 824 Hoffman St, Hammond IN 46327
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(219) 932-4800
Salvation Army Gary-Merrillville
To keep our clients, staff, and volunteers safe, and in accordance with city and state guidelines, programs and services at The Salvation Army Gary-Merrillville Corps Community Center are modified until further notice. For the most up-to-date information, please contact us at 219-887-6588.
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(219) 887-6588
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(219) 887-9461
Society of St. Vincent de Paul - Holy Spirit Conference
Holy Spirit SVDP - Winfield Clients requesting emergency financial assistance for housing must call to request help; a billing statement/lease must be provided, either by fax or email. The Landlord must be on the Approved Landlord list and has submitted a W-9 Federal Form to our office to receive payment.
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(219) 662-7424
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(219) 662-6211
Habitat for Humanity of Porter County
Nonprofit-
(219) 531-0359
Catholic Charities of Gary
NonprofitCOVID-19 Rental/Mortgage Assistance-Requirements -- Must have ALL 7 of the following documents to be considered for assistance: 1.Valid Indiana Photo ID (Driver’s License or State I.D.) 2. Current lease or current mortgage statement -- Lease must be for current year or mortgage statement must be dated in the last 30 days. 3. Warning Notice/Eviction Notice/Default letter-IF APPLICABLE *Renters: Copy of the 10 day to quit, or-warning notice, or eviction notice from landlord (must list your name, the amount owed, and the intended action) *Mortgage holder: copy of default letter, showing you are behind in your mortgage payments. 4. Proof of Residency (must provide ONE of the following documents with name and current address:) *A current utility bill dated in the last 30 days *A Hospital/Doctor’s bill dated in the last 30 days *A U.S. Mailed letter from a local, state or federal agency dated in the last 30 days 5. Proof of ALL Income and Benefits *Must provide documentation If you receive: Food Stamps/TANF, Supplemental Security Income (SSI/SSD/SSA), Child Support, Worker’s Disability or any other forms of benefits/income. *Paycheck stubs for the last 30 days 6. Proof-that household is affected due to COVID-19 Pandemic. *Must provide documentation from employer of layoff, reduction in hours etc. Documentation MUST be dated from March 2020 to present. *Must provide closure of childcare facility due to COVID-19 (if applicable) Documentation MUST be dated from March 2020 to present. 7. Proof of household members *If there are children in the household must show social security cards, current tax returns (1040 (not the W2’s) *All adult members of the household-must have valid I.D. and if a renter must have name listed on the lease as an occupant.
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(219) 886-3549 x106
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(219) 886-2428
St. John Township Trustee's Office
GovernmentWe provide the following to qualifying residents of St. John Township (Dyer, Schererville, & St. John; including some unincorporated areas)
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(219) 865-2705
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(219) 865-3956
Salvation Army Hammond / Munster
Clients can receive emergency financial assistance for a month's rent or mortgage payment if funding is available. Please call our office for needed documents. 219-838-0380
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(219) 838-0380
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(219 )838-0409
Salvation Army East Chicago Corps & Community Center
NonprofitThe Salvation Army provides emergency assistance to help with mortgage/rent, utility bills, clothing, medication bills, and other needs in order to keep families in their homes. For more information or support: contact our Corps Community Center at 219-398-2939, Monday- Thursday 9:00 a.m. - 2:00 p.m, Friday 9:00 a.m. - 12:00 p.m.
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(219) 398-2939
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(219) 398-9692
Porter County Aging and Community Services - PCACS
NonprofitCall 219-464-9904 for assistance with this program and to discuss eligibility requirements. Valerie is available via phone or email and paperwork can be left at the drop-box at the PCACS offices to limit contact and provide a safe way to continue the program.
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(219) 464-9736
Continuum of Care Network of NWI
TBRA Program Tenant-based rental assistance (TBRA) is a rental subsidy that eligible households can receive to help afford housing costs such as rent and security deposits. The TBRA program at this time can not assist participants with utility deposits or utility payments. TBRA Program Information Project Specific Requirements - The applicant must be a resident who currently resides in the City of Gary. The applicant must be a family or individual who has critical and/or emergency housing needs, and falls into the very-low (50%) median income limit. What is considered critical or emergency housing needs; an individual or family that meets at least two (2) of the following risk factors: 1. Mental health and substance abuse issues; 2. Physical disabilities and other chronic health issues, including HIV/AIDS; 3. Young head of household (under 25 with children or pregnant); 4. Extremely low income (less than 30 percent of Area Median Income); 5. Significant amount of medical debt; 6. Sudden and significant loss of income. Lake County, IN 2019 AMI Area Median Income 0%-30% Income Limits Annual Household Size Household Income 1 $15,300 2 $17,500 3 $21,330 4 $25,750 5 $30,170 6 $34,590 7 $39,010 To find out more copy and paste the following link: https://cocofnwi.org/services
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(219) 886-9966
Gabriel's Horn
Nonprofit-
(219) 364-8018