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Stability & Life Skills - Out County Residents

Community Financial Center

Wayne Metro's Community Financial Center provides free financial coaching and classes to assist families and individuals that are committed to improving their financial situation. The CFC connects participants to financial services and products to plan and prepare for a financially secure future. Participants engage in:

  • Foundations of Wealth Building Classes;
  • Ongoing One-on-One Financial Coaching;
  • Credit Report Review;
  • Individualized Financial Independence Plans;
  • Tax Preparation Services; and
  • Access to Banking and Asset Building Services.

The CFC Program is designed to help families and individuals to increase their credit scores, net income and net worth.

Classes are schedule regularly. Click here to register for an upcoming Foundations of Wealth Building class.

Click here to register for a 45 minute Wealth Building class, a shorter version of Wayne Metro's popular Foundations of Wealth Building classes. 

If you would like more information about the CFC, click here to submit an information request and a Financial Coach will follow-up with you soon.

Employment and Training Program

Wayne Metro's Employment & Training Program works to improve client job readiness and skill level. Employment counselors help to identify barriers that can hinder or delay employment and then develop Individualized Service Plans based on client goals. Intake Services/Service Planning begins with a one-to-one interview to determine eligibility, review applicable services, complete Service Plan and schedule participation in the E&T Program. Programs include:

Coffee Clutch Employment Support Group

This employment support group meets weekly and includes:

  • Pre-employability skills training
  • Resume development
  • Establishment of references
  • Tips on job search/follow-up techniques
  • Soft Skills Counseling
  • Job leads
  • Access to internet/e-mail service, fax, copier and mailing service.
  • Bus tickets and gas money are available where applicable

Complete job search and career planning resources and support provided to clients. One-to one individual case manager appointments are scheduled as needed/requested.

Work Experience Program

This program is designed for up to 8 weeks of on-the-job paid work experience. It serves to enhance a client's marketability, learn new skills or remediate old skills. Upon successful completion of the on-the-job training experience, the client returns for job placement assistance with an upgraded resume, letter of recommendation and work references.

Support Services Program

This program is designed to help with employment maintenance while giving on-going support and counseling for customers that show progress in achieving their vocational planning and placement goals. Eligible participants include those customers that go to work, participate in a vocational/academic skills training or work experience/OJT program. Support services are individualized to clients’ needs and may include: uniforms/clothing for work, tools/supplies for work or training, auto repair, bus pass, driver's license restoration, certifications/licensure, text books, and other vocational needs in accordance with the customer's service plan.

Computer Training

This is a free service to eligible clients with regularly scheduled classes that are facilitated by Wayne Metro case managers. The curriculum is divided into two parts that include: Basic Exposure to Computers and Using the Internet in a Job Search. This is a certificate program.

The Community Educational Program

This program helps to facilitate life-long learning and overall growth. An informational library relating to various trainings and educational opportunities including financial aid and class scheduling information is available to all E & T clients.

Family Self-Sufficiency (FSS) Program

Wayne Metro's Family Self-Sufficiency Program (FSS) helps families with Housing Choice Vouchers (HCV or Section-8) obtain and maintain living wage employment and reduce dependence on public assistance. FSS provides families with long term support and guidance to attain self-sufficiency through goal setting, resource coordination and enrichment training. FSS Contracts of Participation provide five years of case management for participants that comply with program requirements. Applicants for this voluntary program are assessed for commitment to increase self-sufficiency and ability to work before being accepted.

The FSS Program also offers a financial incentive to participants who increase their earned income.  When a HCV holder experiences an increase in income, their rental payment portion increases accordingly. In the FSS Program, that incremental increase between the original tenant rent portion and the adjusted amount is deposited in a savings account and held in escrow by the Public Housing Agency (PHA). The escrowed funds are awarded to the family when they successfully accomplish their goals and complete the program requirements.

Wayne Metro partners with and provides FSS services for HCV Programs sponsored through the Plymouth and Westland Housing Commissions as well as the Michigan State Housing Development Authority (MSHDA) for Wayne and Washtenaw Counties. Tenants with HCV program vouchers through any of these Public Housing Authorities may contact the assigned Resource Coordinator listed below for more information on how to apply:

For more information on the Westland or Plymouth Housing FSS Programs, please click the following links to submit your information. An FSS Resource Coordinator will contact you soon!

Westland Family Self-Sufficiency Program Interest Form

Plymouth Housing Family Self-Sufficiency Program Interest Form

Dannielle Bills
Family Self-Sufficiency & Homeownership Programs Manager
MSHDA -Wayne & Washtenaw Counties
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(313) 463-5487

Sylvia Saldana
FSS Resource Coordinator
MSHDA - Wayne County
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(313) 463-5488

Shannon Ziegler
FSS Resource Coordinator
Plymouth & Westland Housing Commissions
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(734) 729-7706

Amber Simpson
FSS Resource Coordinator
MSHDA - Wayne County
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(313) 463-5493

 


Foreclosure Intervention

Wayne Metro's Foreclosure Intervention Program provides assistance and support to individuals and families struggling to keep up with their housing payments, are facing the possibility of foreclosure or need a more affordable option.

As a HUD and MSHDA Certified Counseling Agency, a qualified and experience housing specialist can provide education and counseling to help you understand the process of foreclosure and identify which options may be available to you.

Meet with a counselor to learn about: AmeriCorps Michigan Logo

• Modifications
• Short Sales
• Options & Rights during the Foreclosure Process
• Redemption Period
• Sheriff Sales
• Foreclosure Timeline
• Mortgage Foreclosure Prevention Tips
• Tenant Rights

Wayne Metro's Foreclosure Intervention Program is free of charge and is open to anyone who owns a home in Wayne County.

To make an appointment with a Foreclosure Intervention Counselor, please call (734) 284-6999 or (313) 388-9799. 

Foreclosure Intervention Documents:

Wayne Metro is proud to partner with Michigan's Hardest Hit Fund. This program is designed to help homeowners who have had a financial hardship and are at a high risk of default or foreclosure. Please visit the Michigan's Hardest Hit Fund website to set up a profile to determine eligibility.

Additional Resources:

Free Tax Preparation Program

Wayne Metro has partnered with the Wayne County Asset Building Coalition to provide free tax preparation and wealth building classes to families making up to $50,000 throughout Wayne County.

Wayne Metro's trained tax preparers filed 4,000 returns in 2011 & 2012, bringing over $2.9 million dollars in returns back to low and moderate-income families. Individuals and families earning less then $50,000 a year are eligible to receive free tax preparation services!

Wayne Metro's Free Tax Program is unique in that the program offers accessible services throughout Wayne County, with different times and locations. While appointments are encouraged, walk-ins are also accepted.

icon After Season Tax Prep Flyer 2014 (319.96 kB 2014-07-24 14:40:49)

Free self-preparation tax services are available here!

What you need to bring to get your taxes done:

  • Your Social Security Card 
  • Social Security Cards for all claimed dependents (Originals Only!)*
  • Valid Picture ID 
  • Proof of Income
    • Wages (all Forms W-2), Miscellaneous Income (Form 1099-Misc)
    • Unemployement (Form 1099-G)
    • Gambling/Lottery Winnings (Form W-2G)
    • Pension (Form 1099-R)
    • Social Security Benefit Form (Form 1099-SSA)
    • Supplemental Security Income (Form 1099-SSI/Form 1099-SSD), or letter from SSA
    • Social Security Disability (Form 1099-SSDA)
    • VA total monthly benefit or sum for the year from the Dept. of Veterans Affairs
    • Interest and Dividends (Form 1099-INT and/or 1099-DIV)
    • DHS Cash Assistance (DHS Annual Statement)
    • Other relevant information about income

Proof of Expenses

  • Medical or HMO Premiums paid for self and/or family dependents
  • Total amount paid for day care and the day care provider's tax identification number
  • Student Loan Interest (1099E), Tuition (1098T) and course material receipts. 
  • Receipt for purchase of Energy Star Efficiency products (windows, furnance, etc.)

Home and Heating Credit:

  • Total amount of residential heating costs paid in 2013 (amount is located on December 2013, January 2014 or February 2014 gas bill)

For Homeowners

  • Proof of taxable value of your home and summer/winter taxes for 2013
  • Mortgage Interest (Form 1098)

For Renters

  • Lease or rental contract and rent receipts for 2013
  • Landlord's name, address & zip codes

For Direct Deposit:

  • Bank or Credit Union name, routing number and account number

Other Relevant Information

  • Copy of last year federal and state tax returns.

For more information please contact:

Wayne Metro C.A.A. Main Service Office
2121 Biddle, Suite 102
Wyandotte, MI 48192
(734) 284-6999

Homeownership Programs

 

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Since 1999, Wayne Metro has partnered with the Michigan State Housing Development Authority (MSHDA), U.S. Department of Housing and Urban Development (HUD), Wayne County and local communities as a MSHDA-designated Homeownership Counseling Agency and a Community Housing Development Organization (CHDO) to provide homeownership counseling, education and assistance throughout Wayne County  All Agency Homeownership Counselors utilize the National Industry Standards for Homeownership Education and Counseling.

Program Components:

Step 1: Homebuyer Assistance Programs ORIENTATION:

A free orientation session is the first step for Wayne Metro Homebuyer Assistance Programs. Here you will learn about available homeownership opportunities available.  90-minute orientation sessions are hosted on the first Wednesday of each month

Homebuyer Orientation Schedule and Registration

Step 2: Community Financial Center:   
Our Community Financial Center (CFC) provides participants the opportunity to work with a personal financial coach at no cost. By sitting with an expert to examine your credit, income, expenses and savings; participants will create a personalized plan to achieve homeownership More in-depth financial management services may be necessary for some individuals prior to mortgage pre-approval.

Step 3: Homebuyer Education Class:
If it is determined that you are ready to buy a house within the next 12 months, a financial coach will help enroll you in a group session that will cover the basics of the home buying process including: budgeting and qualifying for a mortgage.  Completion of 8 hours of Homebuyer Education (2 four-hour sessions) is required to qualify for all Wayne Metro down payment assistance programs. 

Wayne Metro provides a condensed 3-hour Homebuyer Education class for homebuyers already working with a MSHDA Certified Lender for down payment assistance. Please click on the link below to register if you have signed a purchase agreement and need to take Homebuyer Education before you close on your loan.

Fast Track Homebuyer Education Registration

Step 4: Individual Consultation with a Homeownership Coach:
Your coach can also provide more specialized financial coaching focused on mortgage pre-approval preparation. Once ready to apply, your coach will refer you to our preferred list of partnering lenders, real estate agents and home inspectors.

What Happens After Pre-approval?

Pre-purchase Inspection Assistance:
Participants can receive up to $750 in assistance for private home inspections on properties they have a contract to purchase through a MSHDAapproved lender.

Homebuyer Assistance Programs:
Homeownership may be out of reach for some lower-income families, however Wayne Metro offer a variety of homebuyer assistance programs designed to make homeownership affordable and achievable. These programs provide soft second loans that assist with closing costs and down payment. Eligibility and guidelines include:

  • Homebuyers in particular communities may be eligible for up to $5,000 in homebuyer assistance loans.
  • Homes rehabilitated through an agency-sponsored Neighborhood Stabilization Program may be eligible for additional homebuyer assistance funds based on need.
  • Homes purchased through a MSHDA approved lender may be eligible for down payment assistance funds of up to $7,500. 
  • Michigan $ave$ Individual Development Account can provide a 3 to 1 match the savings of eligible homebuyers up to $4,000.

Wayne Metro also partners with several local lending institutions offering down payment assistance programs and grants. Register for an orientation session today to learn more!

For more information please contact:

 

Dannielle Bills

Family Self-Sufficiency & Homeownership Program Manager

Wayne Metro Main Service Office 

2121 Biddle  Wyandotte, MI 48192 

(313) 463-5487

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Click here to view additional services offered FREE to first time homebuyers.

 

Michigan $AVE$ - Individual Development Accounts (IDA) Program

Wayne Metro's Michigan $AVE$ Individual Development Account (IDA) Program helps people with limited income to save money and build financial assets. The Michigan $AVE$ IDA Program matches client savings to assist them with the purchase of a home, opportunity to start or expand a small business, or pursue higher education.

The Michigan $AVE$ IDA Program is designed to help families with children who are willing to commit to saving money every month for at least 6 months. To be eligible, the participant much be employed and must have been employed for the past 12 months. IDA clients must also be willing to address their credit issues, complete training on homeownership or micro-business development and financial planning.

Financial Planning - An educational program that helps you manage your money, develop a personal savings and budget plan, manage and repair your credit, and avoid predatory lending.

Homeownership - Every $1 you save in your Michigan $AVE$ IDA account is matched up to $3. You can save $1,000 in an IDA account for a down payment on a first home and receive up to $3,000 in matching funds for a total of $4,000 in homeownership funds.

Small Business/Education - Every $1 saved in your Michigan $AVE$ IDA account is matched up to $2. You can save $1,000 in a Michigan $AVE$ IDA for capital investment and will receive up to $2,000 in matching funds for a total of $3,000 in business ownership funds or funds for educational expenses.

Take our assessment and help us determine your eligibility here.

For more information please contact:

Wayne Metro C.A.A. Main Service Office
2121 Biddle, Suite 102
Wyandotte, MI 48192
(734) 284-6999

River Rouge Resident Opportunity & Self-Sufficiency (ROSS) Program

Wayne Metro has partnered with the River Rouge Housing Commission to offer residents of River Rouge Housing access to Resource Coordination Services.  A Resource Coordinator will be housed at Hyacinth Court five days a week to work one-on-one with families residing in Public Housing Authority property. 

The ROSS program provides residents with a professional Resource Coordinator that will work with them to develop individualized Action Plans to achieve short-term and long-term goals. The Resource Coordinator will help residents access hundreds of opportunities to develop skills, increase wealth, and ultimately achieve financial independence.  Examples of the types of resources that can be accessed include: financial coaching and credit repair, financial education classes, access to free tax preparation and banking services, employment skills and job development, and homebuyer education and down payment assistance.

If you live in River Rouge Public Housing and would like more information about the ROSS Program, click here to submit an information request and a Resource Coordinator will follow-up with you soon.

For more information please contact:

Essence Uke, ROSS Resource Coordinator

460 1/2 Lenoir Ct.

River Rouge, 48218

(313) 382-1276

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