LaCasa Inc.
Available in the City of Goshen only: https://lacasainc.net/programs/help-a-house/
Counties Served: Lake-
(574) 533-4450
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(574) 533-4399
City of Hammond, Community Development
GovernmentHOME funds will be used to newly develop or to acquire, rehabilitate, and resell single-family units to a qualified low to moderate income home buyer. The City of Hammond has partnered with United Neighborhoods INC. Contact 219-937-0200
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219-853-6358 2
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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
Counties Served: Lake-
(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
Counties Served: Jasper, Lake, LaPorte, Newton, Porter, Pulaski, StarkeFirst 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
Counties Served: Jasper, Lake, LaPorte, Porter, Pulaski, Starke-
(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.
Counties Served: Lake-
(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
Counties Served: Jasper, Lake, LaPorte, Newton, Porter, Pulaski, StarkeFirst Financial Bank
https://www.bankatfirst.com/personal/discover/flourish/picking-best-mortgage.html
Counties Served: Lake-
(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
Counties Served: Jasper, Lake, LaPorte, Newton, Porter, Pulaski, StarkeIndiana 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
Counties Served: Jasper, Lake, LaPorte, Newton, Porter, Pulaski, StarkeLake County Economic Development Department
GovernmentUp to $5,000 in down payment assistance. https://lakecountyin.org/departments/economic-devl/housing-assistance-programs
Counties Served: Lake-
(219) 755-3000
Salvation Army Retail Store - Merrillville
NonprofitStore open from 10:00am-6:00pm
Counties Served: Lake-
(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.
Counties Served: Pulaski, Starke-
(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.
Counties Served: Lake-
(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.
Counties Served: Lake-
(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.
Counties Served: Lake-
(219) 853-6300
Geminus Community Partners- Region 2 (Porter, Starke, Newton, LaPorte, Jasper, Pulaski)
Non-profitBenton, Jasper, LaPorte, Newton, Porter, Pulaski, Starke__1-888-357-4264 __Program Requirements: Child in home under the age of 18, Resident of Region 2 County, No involvement with the Department of Child and Family Services, No involvement with Juvenile Probation, No involvement with Healthy Families
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219-575-7143
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Geminus Community Partners- Region 1 (Lake County)
Non-profitLake__1-866-641-7181__Program Requirements: Child in home under the age of 18, Resident of Lake County, No involvement with the Department of Child and Family Services, No involvement with Juvenile Probation, No involvement with Healthy Families
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219-757-1834
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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.
Counties Served: Lake-
(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.
Counties Served: Lake-
(219) 989-3265
Northwest Indiana Community Action
Nonprofit-
(219) 794-1829
SAFE Coalition for Human Rights
Non-profitHousing in shared bedrooms for women who are sexually assaulted, sex-trafficked and their dependents is available at Ashley's House. Criteria that need to be met are histories of sexual assault, sex-trafficking, and current homelessness.
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219-736-1000
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Community Services of Starke County
NonprofitWe have subsidized apartment lists we distribute. We no longer take Section 8 housing pre-applications.
Counties Served: Starke-
(574) 772-7070
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
Counties Served: LaPorte, Porter-
(219) 548-2800
St. Vincent dePaul-Holy Spirit-Winfield/Crown Point
Faith-basedHoly Spirit SVDP - Winfield/Crown Point Neighbors requesting emergency financial assistance for housing must call the SVDP Office (219-662-7424) to request help; The neighbor's request will be forwarded to Cathoic Charities for vetting; a billing statement/lease must be provided, either by fax or email to Catholic Charities. The Landlord must be on the Approved Landlord list and has submitted a W-9 Federal Form to receive payment. Assistance is provided once during a calendar year.
Counties Served: Lake-
219-662-7424
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219-662-6211
Habitat for Humanity of Porter County
NonprofitTo learn more about the Habitat home ownership program or to find the date of the next home ownership fair, contact our home ownership coordinator at beth@portercountyhabitat.org
Counties Served: Porter-
(219) 531-0359
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)
Counties Served: Lake-
(219) 865-2705
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(219) 865-3956
Porter County Aging and Community Services - PCACS
NonprofitPorter County Aging and Community Services administers the Housing Choice Voucher Program, also known as the Section 8 Housing Program, for Porter County. This program allows low-income families to acquire adequate housing. Call 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.
Counties Served: Porter-
(219) 464-9736
Sisters of Support House Gary
Non-profitA re-entry home that is a safe and supportive environment for women who have been formerly incarcerated, homeless veterans, and domestic violence survivors.
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219-939-7276
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Gabriel's Horn
NonprofitCounseling, case management, transportation, and more
Counties Served: Porter-
(219) 364-8018