Our Saginaw Location is
2015 Calendar of Events:
4 Training Sessions
Financial Management • Homebuyers Education • Foreclosure Intervention • Credit and Debt Management
Session #1 • Feb. 17, 18, 20, 2015
Upcoming Events ...
Community Resource Fair - Show Me the Money Workshop – January 31, 2015
Get Your Home Improvements – Community Kickoff – March 11, 2015
Annual (70s) Fundraiser – March 27, 2015
Credit Check-Up Fair – “Come Get Credit Smart” Workshop – April 25, 2015
Jailhouse Rocks Community Lock-up Fundraiser – May 25, 2015
“Saving the Dream” – Free Concert in Bliss Park Fundraiser – June 26, 2015
Community Awareness Week Preparation – Bag Stuffing – August 3-7, 2015
Community Awareness Week – Door-to-Door Outreach – August 10-14, 2015
Community Makeover Week – Yard & Lot Clean Up – August 10-14, 2015
Community Block Party – Book Bag Give Away – August 15, 2015
Free Community Resource Workshop – October 21, 2015
Learn How to Shop on a “Shoe String” Budget Shopping Spree – November 13-15, 2015 (3 days 2 nights)
Annual Christmas Party – December 11, 2015
Board of Directors
Lee Austin - President
Silas Brazil – TBI Construction
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What is Circle of Love
Circle of Love Community Development Corporation (CDC) is a Housing Education Center providing Affordable Housing Solutions for low-to-moderate income families in the Great Lakes Bay Region and Genesee County areas. It is our intention to assist individuals, regardless of background, ethnicity, or physical ability, to obtain modest, decent, safe and clean facilities for use as permanent occupancy. Circle of Love Community CDC provides housing education and counseling services, educational training workshops and referrals to assist the clients’ awareness and ability concerning the overall home buying process, including maintenance, safety, up-keep and financial responsibilities of the home once occupancy is obtained; thus, promoting self-enrichment, community pride and development. Providing foreclosure prevention counseling and related loss mitigation and educational services to families in need.
To Educate, Empower and Stabilize Communities to Achieve Affordable Housing Solutions.
To ensure that the Communities we serve are Vibrant, Mixed Income Neighborhoods that are Safe, Economically Stable and Attractive.
Homebuying and homeownership are a vital part of the American dream. According to data from the U.S. Census Bureau, some of the most prevalent issues families’ face that deters them from buying a home is:
Circle of Love Community Development Corporation provides the services necessary to assist potential homeowners so that families can overcome obstacles and realize the American Dream. We help people understand how to prepare to buy a home.
Homeownership requires a planned, disciplined course of financial action. Teaching and reinforcing the basic lessons of financial stewardship develops necessary tools for successfully reaching one’s goals.
The Bible says that, “without a vision the people parish,” this is so true, without a planned (written) course of action and perseverance the dream/vision of obtaining a home seems far fetched and unattainable so we never pursue our dreams/visions and just give up.
I believe that dreams are fueled by faith and because Circle of Love CDC inspires that faith we create fertile ground for dreams to grow.
• Must meet the income limits based on family size for the area
To be eligible for HEP – Housing Education Program benefits:
1. The household income must be within the applicable income limits as seen below;
In order to qualify, your household income must be less than: (in Saginaw County)
In order to qualify, your household income must be less than: (in Genesee County)
Please remember you may still qualify for a MSHDA loan even if you don’t qualify for MSHDA Housing Education Program benefits!
“Median income level subject to change, according to government regulations”
Circle of Love CDC will work with eligible families to provide the necessary educational services that will empower them to become homeowners!
You Pay Nothing!
Down Payment Assistance: MSHDA will pay up to $7,500 towards down payment or closing costs
Home Inspection Funds: MSHDA will pay up to $750 for inspections prior to home purchase
What do you have to lose? Apply today!
HEP - Housing Education Program is a program offered by the Michigan State Housing Development Authority (MSHDA) and Circle of Love CDC for low and moderate income families who are interested in becoming homeowners. Below is a list of the educational services we provide:
Education may be provided on an individual basis or group setting in which the educator will provide the following:
• Education and advice to the client
State and Local Affiliations
City of Saginaw (saginaw-mi.com)
Circle of Love
Saginaw: This office is permanently closed.