If you haven't received an MIH enrollment packet in the mail, call 313-405-7726 to begin the enrollment process.
Introduction to the Make It Home Program
Make It Home (MIH) is an affordable home-purchase program that gives residents living in foreclosed homes the option to purchase their home before the foreclosure auction. Started in 2017, MIH has assisted with the purchase of over 1,100 homes for low-income residents, including renters, former owners, and family homes. Financing may be available to purchasers through 0% interest loans.
How does MIH work?
A property with delinquent taxes is foreclosed by the Wayne County Treasurer.
After the foreclosure, the City of Detroit has the option to buy the home in the “Right of Refusal.”
Homes purchased in the Right of Refusal will not go up for sale in the public auction.
UCHC partners with the City of Detroit to use their Right of Refusal to help residents living in foreclosed homes
buy the home they're living in.
The City of Detroit deeds the homes to UCHC. Residents who are financing via 0% interest loan with UCHC
enter a land contract. Once the home is paid for in full, UCHC deeds the home to the resident.
Who's eligible for MIH?
You must occupy the home as your primary residence and continue living there.
Your home must be foreclosed by the Wayne County Treasurer.
Your home must pass a home inspection to ensure the home is livable.
You must pass a criminal background check.
You cannot own other homes.
You must be willing to pay to purchase your home.
You must complete the full MIH Enrollment Process, including four (4) online class modules, the MIH Enrollment Appointment, and the MIH Title Appointment.
How do I prepare for MIH 2022?
Save money! You will need to save money to be able to purchase your home. You can save in your own savings account or with UCHC in a Tenant Withholding Account (TWA).
Do not pay the taxes on the property. Paying the taxes will not make you the homeowner and may prevent the foreclosure of your home, which will make you ineligible for MIH.
Limit repairs and keep your utilities on.
Prepare your supporting documents:
• ID for all purchasers
• 2 proofs of occupancy (utility bill, bank statement, official mail, bridge card letter, etc.)
• Proof of relationship to property (land contract, lease, death certificate, deed,
• Proof of income (proof of all household income — SSI, SSD, unemployment,
employment, W-2, pay stubs, statement of self-employment, statement of
family support, etc.)
The Make It Home enrollment process includes an online class with four modules and two in-person meetings at UCHC. The first step of the enrollment process is to complete Module 1 and Module 2 of the online class. You will complete these modules on your own time beginning April 11, 2022. Please click the links below to start the classes.
NOTE: Your module entry will not be considered if you haven't yet spoken with a UCHC counselor or received a Make It Home (MIH) Enrollment Packet in the mail. To be accepted into the MIH program, you must complete all program requirements by July 1, 2022, including submitting your Earnest Money Deposit into a Tenant Withholding Account (TWA). Please read through your packet in its entirety to review the program expectations and understand the program timeline. We look forward to trying to help you become the owner of your home.