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Home Ownership and Home Maintenance

Catholic Charities of Central and Northern Missouri: Housing & Financial Counseling
2201 West Main, P.O. Box 104626, Jefferson City, MO 65110
(573) 635-7719 Fax: (573) 635-7721
Hours: 8 am to 4:30 pm

www.cccnmo.org
hdeberry@cccnmo.org


This program offers education and counseling for those who struggle financially to help them achieve long-term prosperity. Our goals are to promote financial literacy and financial responsibility, and increase responsible home ownership. HUD-certified counselors cover topics such as budgeting, mortgage and banking information, credit scores, and savings strategies.



CMCA Audrain County Resource Office 

801 E. Breckenridge, Mexico, MO 
573-582-7864   Fax:  573-370-1095
Hours: 8 - 5, M - 5

Services: Community outreach, referral and follow-up; emergency utility assistance applications for low-income families; weatherization services (utility assistance and weatherization both subject to availability of funds and program guidelines); Family Support Coaching, Head Start, ShowmeHealthy Relationships, Skill Up Program, Applications for USDA Low Income Homeowner Program
Eligibility: Based on income and varies by program, call for information
Fees: None for income eligible recipients



Audrain Habitat for Humanity
708 N. Washington St., Mexico MO 65265
573-581-1994
https://www.habitat.org/about

Services: House building ministry in partnership with low-income families; ReStore sells new and used building materials
Fee: Houses are sold to families with no interest on a 20 year mortgage; family must enter into partnership with Habitat and contribute 250-350 hours of “sweat equity” helping to build the
house.
Eligibility: Income within 30-50% of median income, need housing, willing to help build.



Missouri Housing Development Commission
505 N. 7th Street, 20th Floor, Suite 2000, St. Louis, MO 63101
(314) 877-1350   Homeownership ProgramsToll Free: 800-246-7973
http://mhdc.com/homes/index.htm

Our "First Place" loan program gives first-time homebuyers* the edge they need to purchase a home,
with cash assistance available.
Our MCC program provides income eligible first-time homebuyers* with an opportunity to reduce the amount
of federal income tax owed each year they own and live in their homes.
Our “Next Step” program gives first-time homebuyers as well as non-first time homebuyers the opportunity to purchase their own home with higher income limits and purchase price limits. It also gives the borrower the opportunity to receive cash assistance for down payment and closing cost assistance
If you are a qualified veteran, you do not have to be a first-time homebuyer* to qualify for our "First Place"
or "Mortgage Credit Certificate" loan programs (above).


USDA Single Family Housing Direct Home Loans and Guaranteed Loans
573-443-8706, ext. 1040

USDA Rural Development’s Section 502 Direct Loan Program provides a path to homeownership for low, very-low, and moderate income families living in rural areas to make affordable homeownership a reality (a family of 4 can make up to $46,900 in Audrain County). This program assists moderate, low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability.  No down payment is required. Payment assistance is a type of subsidy that reduces the mortgage payment, and the amount of assistance is determined by the adjusted family income.

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