Thrive with Wayne Metro
Thriving children, families, and communities is the ultimate goal of Wayne Metro’s Empowerment Pathway and the destination on the path is focused on achieving long-term goals. For many low income people building wealth or owning assets like a home may seem beyond reach. But through help and supports with budgeting, credit repair, and savings strategies, those dreams are becoming reality every day in Wayne County. Through Wayne Metro financial coaching and education, home ownership guidance, and financial management tools, individuals with low incomes are becoming financial stability, fiscally independent and long-lasting success is becoming reality.
Wayne Metro’s Financial Empowerment Center (FEC) provides free financial coaching to help families and individuals improve their financial situations. When you engage in this program, you will be given the knowledge and guidance you need to increase your credit scores, net income, and net worth. You will:
- Receive a personal financial review to locate any benefits for which you may qualify
- Participate in one-on-one financial coaching
- Learn how to improve your credit score
- Get connected with financial services
- Have opportunities to attend financial workshops
There are two types of regularly scheduled financial workshops; please click to register:
For more information about Wayne Metro’s Financial Empowerment Center, to submit an information request, to speak with an FEC representative, or to schedule an appointment to meet with a financial coach, please contact the Wayne Metro Call Center at 313-388-9799.
Family Self-Sufficiency (FSS)
Wayne Metro’s Family Self-Sufficiency (FSS) Program helps families with Housing Choice Vouchers (HCV or Section-8) obtain and maintain living wage employment and reduce family dependence on public assistance. The FSS program provides families with long-term support, financial education, and guidance to become self-sufficient and independent. The FSS Program does not assist families with obtaining Housing Choice Vouchers (Section-8). To be eligible a family must already have a voucher with our partner housing authorities (see below).
Once you are accepted into the FSS Program, you will sign a Contract of Participation. This contract means that Wayne Metro will provide you and your family with five years of free case management services provided that all of the program requirements are met. Before being accepted into the program you will list your life goals and state your ability and willingness to obtain and/or maintain employment in an application. The FSS Program provides special financial incentives to those who work and succeed in increasing their earned income.
As HCV families know, Housing Choice Vouchers are income based so any increase in your earned income will result in an increase in your portion of rent. When a HCV family enrolls in the FSS Program the difference between the increased portion of rent and the original portion will be put into a special savings account and held in escrow for the family by the Public Housing Authority (PHA). The money put into the special savings account and held in escrow will be given to you and your family when you successfully complete the FSS Program!
Wayne Metro partners with and provides FSS services for Plymouth and Westland Housing Commissions as well as the Michigan State Housing Development Authority (MSHDA) for Wayne and Washtenaw Counties. If you have an HCV program voucher through any of these Public Housing Authorities contact our Connect Center 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
For more information, please contact the Wayne Metro Connect Call Center at 313-388-9799.
If you live in River Rouge Public Housing you can take advantage of the Resident Opportunity and Self-Sufficiency (ROSS) program designed to provide public housing residents with individualized case management and resource coordination to meet their goals and/or age in place. The ROSS Coordinator will work with you to develop a personal action plan that will help you achieve your short-term and long-term goals and improve your overall stability.
The ROSS Coordinator will connect you to special opportunities to help you develop your money management skills, increase wealth, and work toward financial independence. For seniors and people with disabilities the ROSS Coordinator will guide you to the resources you need to live independently and avoid assisted living for as long as possible. Depending on your goals you will have access to one-on-one financial coaching, ways to improve your credit, employment & training activities, nutrition classes, free tax preparation, fun community activities and MORE!
For more information, please contact the Wayne Metro Call Center at 313-388-9799.
Wayne Metro’s Foreclosure Intervention Program provides no cost assistance and support to individuals and families that are struggling to keep up with their mortgage and tax payments, facing the possibility of foreclosure, or simply need a more affordable housing option.
As a HUD and Michigan State Housing Development Authority (MSHDA) Certified Counseling Agency, one of our qualified and experienced housing counselors will provide you with education and guidance to help you understand the foreclosure process and identify different options available to you.
The Foreclosure Intervention Program will teach you about:
- Foreclosure timelines and rules
- Your legal rights during the foreclosure process
- Foreclosure prevention tips
- Mortgage modification options
- Redemption period options
- Short sales
- Sheriff sales
Wayne Metro’s Foreclosure Intervention Program is open to anyone who owns a home in Wayne, Oakland, Macomb, Monroe, or Washtenaw County.
Step Forward Michigan – Helping Michigan’s Hardest-Hit Homeowners
Wayne Metro is a proud partner of the Michigan’s Hardest Hit Fund and Step Forward Michigan Portal. This fund is designed to help homeowners who have experienced a financial hardship and are in default or at a risk of defaulting on their mortgage, or facing property tax foreclosure. Please visit the Step Forward Michigan website to determine if you are eligible for this assistance program or contact Wayne Metro for assistance with the Step Forward application.
For more information, please contact the Wayne Metro Call Center at 313-388-9799 or 734-284-6999.
Wayne Metro provides homeownership counseling, and education for residents of Southeast Michigan. We also partner with several local lending institutions that offer additional down payment assistance programs and grants.
I am Empowered: Francesann Lowery
After 11 years of renting, Wayne Metro client Francesann now owns her own home. One of the ways she was able to do this was by engaging with Wayne Metro’s Own My Home program, which gave her the knowledge she needed to prepare to buy a home.
Learn more about Francesann’s story by clicking here!
Unlock the Door to Homeownership
Everyone’s path to homeownership is different and Wayne Metro offers a variety of ways to help you navigate your own. Our online interest form is the doorway to the service that best fits your needs. Whether you have a closing date and you need to take a class or you just want to know what help is out there, we have the right service for you! Click this link to access the Homebuyer Services described below: Own My Home Interest Form
Homebuyer Orientation is the first step in Wayne Metro’s Own My Home Program. It offers a brief overview of what it takes to buy a home, the services that can help you get pre-approved, and the types of assistance available. At orientation you will learn about affordable mortgage products and down payment assistance programs. You’ll be connected to an expert financial coach who will work one-on-one with you to help you make an informed purchase. Buyers with a pre-approval letter or signed purchase agreement are not required to attend Homebuyer Orientation.
To receive Homebuyer Orientation dates, please click on the link to review the upcoming events calendar https://www.waynemetro.org/events//
At Orientation we will connect you to an expert coach who will help you create a personal road map and serve as a guide on your path to homeownership. Your coach will also help you get pre-approved for an affordable mortgage product, find down payment assistance, and provide ongoing support through the underwriting process. Our mission is to provide you with the information and resources you need to get to the closing table!
Wayne Metro offers three levels of Homebuyer Education:
· Homebuyer Club covers the basics for first-time homebuyers and is available to anyone working with a Homeownership Coach or who has already obtained lender pre-approval.
· Fast Track focuses on the underwriting process and what happens at closing. It is available only to those who have a signed purchase agreement.
· Wayne Metro also offers online Homebuyer Education through eHome America which is available to everyone.
There is a $25 fee for Homebuyer Club and Fast Track for those who do not attend Orientation (scholarships available to those who qualify). The online class through eHome America is $99 for an individual plus $25 for each additional co-applicant.
Complete the Own My Home Interest Form or please contact the Wayne Metro Call Center for more information at 313-388-9799 or 734-284-6999.
Wayne Metro is partnered with the Michigan State Housing Development Authority (MSHDA), US Department of Housing and Urban Development (HUD), Wayne County, and local communities as a HUD Certified Homeownership Counseling Agency, and a Community Housing Development Organization (CHDO).
Home Repair Loan Program
The city of Detroit, Bank of America, and the Local Initiatives Support Corporation (LISC) have partnered to offer residents of Detroit a 0% Interest Detroit Home Repair Loan program. If you apply and receive one of these loans, you will only pay back the amount of money you borrow. You will not pay any interest on your loan!
If your home is in the city of Detroit, a 0% Interest Detroit Home Repair Loan can provide you with the money you need to deal with home health and safety hazards such as removing lead-based paint, asbestos, or mold. Other repairs for which you may qualify under this loan program include electrical repairs, roof replacement or repairs, plumbing issues, and exterior or interior structural repairs.
To qualify for this loan program, your home must be in the city of Detroit and you must:
- Own or occupy the home for at least 6 months prior to applying for this loan
- Be a single individual earning less than $37,950, or a family of four earning less than $54,150
- Have a minimum credit score of 560
- Be up to date on all taxes
- Have the means to make regularly scheduled payments on your loan
To find out if you are eligible for a 0% Interest Detroit Home Repair Loan, please visit www.DetroitHomeLoans.org and download the “Intake Form”. If you feel that you meet the qualifications to apply for a loan, visit the Wayne Metro Community Action Agency Intake Center nearest you. To serve you best, please bring all required documentation listed on the website and on the Wayne Metro Intake Form with you to your scheduled appointment. Help is available to assist you with filling out the forms.
Wayne Metro Intake Center locations:
- Northwest: 18100 Meyers, Detroit, MI 48235
- Eastside: 18525 Washtenaw, Harper Woods, MI 48225 (Corner of Kelly Road. and Washtenaw Street).
- Central Woodward: 7310 Woodward, 8th Floor, Detroit, MI 48202
You may also schedule an appointment at a Wayne Metro Intake Center by calling 313-388-9799.
Wayne Metro understands that a safe, secure, and healthy home is important to the academic success of a child. The Stable Families Create Student Success (SFCSS) program provides free financial coaching programs and classes to help individuals and families that are concerned about their housing situation. If you qualify and enroll in the SFCSS program, you will learn about financial services and products available to help improve your current finances, and will be given one-on-one guidance to help you stabilize your housing situation. You will also be provided with access to a variety of resources that will help you prepare for a more financially secure future.
Anyone wishing to take part in these programs and classes must have children enrolled at Central Collegiate Academy, Detroit Institute of Technology College Prep High School, Academy of Public Leadership, Medicine and Community Health Academy or River Rouge High School.
For more information, please contact the Wayne Metro Call Center at 313-388-9799.
Wayne Metro’s Free Preparation program provides free tax preparation services residents of Wayne County and surrounding communities with an annual household income of up to $54,000. Wayne Metro tax preparers are certified by the Internal Revenue Service. Online self-preparation tax services are also available to individuals earning up to $66,000 per year.
These free tax preparation services are available year round at several locations with a wide range of convenient office hours. Wayne Metro tax preparers can go back and prepare un-filed taxes up to three years. To take advantage of these free services, appointments are encouraged.
Learn more about Wayne Metro’s Free Tax Program, or contact the Wayne Metro Call Center at 313-388-9799.