Home ownership is the American dream—and this dream is no different for people with disabilities. Since 1997, Mississippi Home of Your Own (HOYO) has assisted almost 400 individuals with disabilities and their families in 50 counties in realizing their dream of home ownership.
The award-winning HOYO program assists people with disabilities and their families with counseling and financial assistance and in locating supports that may allow them to purchase and maintain their own homes. Financial assistance for qualified applicants can be up to $15,000 per household.
Eligibility Criteria
- Only individuals with disabilities defined by the ADA or families who have members with disabilities living with them may apply.
- An individual’s income after expenses must be adequate to make monthly mortgage payments to a lender that must qualify applicant for a home loan.
- The applicant must be a low-income home buyer purchasing their primary residence.
- A good credit report and savings for home ownership is recommended.
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HOME BUYER EDUCATION TRAINING
May 22, 2010
9 a.m. – 5 p.m.
Mitchell Temple Church
1108 Third Avenue
Indianola, MS |
Services Available
- Information and referral
- Pre-purchase homebuyer education and credit counseling
- Person-centered planning (interagency collaboration)
- Research of available options for funding sources for down payments and closing costs, home modification, and reserves
- Assistance in locating appropriate mortgage, home selection, inspection, and appraisal
- Individual counseling through the home-buying process
- Follow-up
For more information, contact: |
Coordinator for Housing Initiatives
Telephone: 601.266.5163
Toll Free and TTY: 1.888.671.0051 |
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Chiquita S at the door of her new home.
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Mississippi Home of Your Own is funded by the U.S. Department of Housing and Urban Development (HUD), the Mississippi Development Authority, the Mississippi Home Corporation, Federal Home Loan Bank of Dallas, the F.B. Heron Foundation and other partner donations. |
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Lenders Participating with the Home of Your Own Program
BancorpSouth
BankPlus
Britton and Koontz
ECD/Hope Community Credit Union
Grand Bank
Habitat for Humanity – Bay/Waveland
Habitat for Humanity – Columbus
Habitat for Humanity - George County
Habitat for Humanity – Hattiesburg
Habitat for Humanity – Meridian
Habitat for Humanity – Metro Jackson
Habitat for Humanity – MS Gulf Coast
Habitat for Humanity – Northeast MS
Habitat for Humanity - Pearl River
Habitat for Humanity – Pontotoc
Habitat for Humanity – Vicksburg
Mechanics Bank
M& F Bank
Regions
Southwest Funding
State Bank & Trust Company
Trustmark
USDA Rural Development |
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