N2N HIP Pre-Application 2026

Sturgis Neighborhood Program

Homeowner Improvement Program (HIP) Pre-Application
Thank you for your inquriy regarding the Neighbor2Neighbor (N2N) Homeowner Improvement Program (HIP). This program is funded through the Michigan State Housing Development Authority (MSHDA), NDD Housing Community Development Fund (HCDF).

Program Purpose: The Neighbor2Neighbor (N2N) Homeowner Improvement Program (HIP) aims to assist low- to moderate-income, owner-occupied households in the City of Sturgis with essential home rehabilitation. The financial support provided helps bring homes up to the minimum Housing Quality Standards, ensuring that the properties are safe, healthy, and livable for eligible homeowners.

Eligibility: To qualify for assistance through this program, households must meet the following criteria:
- The household income must not exceed 80% of the Average Median Income (AMI) for St. Joseph County. Please check the boxes below indicating which household size and income limit pertains to your situation. If your household income exceeds the 80% AMI values below, you are not eligible to participate in this program.
Please select the number of persons living in your household.
1 Person Household: Does your household income exceed $44,600 (80% AMI)?
1 Person Household: Does your household income exceed $33,480 (60% AMI)?
2 Persons Household: Does your household income exceed $51,000 (80% AMI)?
2 Persons Household: Does your household income exceed $38,220 (60% AMI)?
3 Persons Household: Does your household income exceed $57,350 (80% AMI)?
3 Persons Household: Does your household income exceed $43,020 (60% AMI)?
4 Persons Household: Does your household income exceed $63,700 (80% AMI)?
4 Persons Household: Does your household income exceed $47,760 (60% AMI)?
5 Persons Household: Does your household income exceed $68,800 (80% AMI)?
5 Persons Household: Does your household income exceed $51,600 (60% AMI)?
6 Persons Household: Does your household income exceed $73,900 (80% AMI)?
6 Persons Household: Does your household income exceed $55,440 (60% AMI)?
7 Persons Household: Does your household income exceed $79,000 (80% AMI)?
7 Persons Household: Does your household income exceed $59,280 (60% AMI)?
8 or More Persons Household: Does your household income exceed $84,100 (80% AMI)?
8 Persons Household: Does your household income exceed $63,060 (60% AMI)?
Important Information Regarding the Application Process: Please be aware that this pre-application is only the first step in the Neighbor2Neighbor Homeowner Improvement Program (N2N HIP). Applications will undergo a review to determine both project feasibility and applicant eligibility.

Eligibility Requirement: Households served through this program must have an annual gross income at or below 80% Area Median Income (AMI), based on household size, as indicated above. If your annual gross income is above 80% AMI, you are not eligible for this program. Please contact Sturgis Neighborhood Program for additional details.

Additional Eligibility Requirement: 20% of the households served through this program must have an income at or below 60% Area Median Income (AMI). If N2N HIP does not receive enough applications for households that meet this income threshold, the program will re-open the appliction window to ensure adequate participation from these households.

Homeowner Improvement Program (HIP) - Terms and Conditions

This application is for the Homeowner Improvement Program funded by the MSHDA, NDD Housing Community Development Fund (HCDF), which has been applied for and received by Sturgis Neighborhood Program (SNP). If the cost of a homeowner improvement project exceeds, $10,000, the property owner will be required to sign a 5-year forgivable note and recordable mortgage. This agreement commits the homeowner to repay the MSHDA funding to the Michigan State Housing Developoment Authority (MSHDA) if the property is sold, refinanced, or ownership is transferred within the 5-year term. After the 5-year period has passed, MSHDA will release the mortgage, and the note will be converted into a grant, with no further repayment required.
IMPORTANT: Knowingly providing false information on this application may result in disqualification from the program and subject you to civil or criminal penalties under Section 1001 of Title 18 of the United States Code.
I hereby request that my eligibility be determined to participate in the N2N HIP. I also authorize a representative of Sturgis Neighborhood Program or its designated agents to inspect my property to assess the necessary improvements under this program.

I understand that the inspection will determine the scope of repairs and improvements needed to meet the program's guidelines.
Applicant Name:

First NameLast Name
Applicant Phone:
Please enter a valid phone number.Format: (000) 000-0000.
Property Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Mailing Address (if different than property address):

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Email
example@example.com
Alternate Contact Information:

First NameLast Name
Alternate Phone Number:
Please enter a valid phone number.Format: (000) 000-0000.
How long have you lived at this address?* years.
Do you live in this home year-round?
Are your property taxes paid in full?
For which year are your property taxes completely paid?
Mortgage Information
Do you have a mortgage on your home?
Approximate Mortgage Balance
Mortgage Holder's Name
Mortgage Holder's Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Mortgage Holder's Phone #
Please enter a valid phone number.Format: (000) 000-0000.
Mortgage Holder's Fax #
Please enter a valid phone number.Format: (000) 000-0000.
Mortgage Account Number
Do you have a recorded copy of the Warranty Deed to your property?
If no, you will need to get a copy to provide to us.
Is anyone listed on the title or deed to your property who does not live in the household?
If yes, please explain who it is?
Are there any unrecorded lien(s) on property to be rehabilitated?
Please specify the status of liens:
Is your home a mobile/manufactured home? (Please note, Mobile Homes in parks are not eligible for this program)
Is your home insured? (Please note: Homes must be insured to participate in this program.
Please state the reason why it is not insured:
Have you previously applied for Rehabilitation Assistance?
Please specify when:
Have you at any time participated in a housing rehabilitation project at this address?
Please specify when:
Please check all of the items that need repair:
This information is for understanding your need. An inspection will be completed to identify scope of work that will be completed under the program guidelines.
Please specify what "other" repairs are needed:
For all items selected above, please briefly describe the repairs needed on your home.
Marital Status:
List all household members (including yourself) and include all information for each person:
Person 1 (Self): Full Name

First NameLast Name
Person 1: Date of Birth

MonthDayYear
Date
Person 1: Social Security Number
Person 1: Race
Person 1: Please enter "other race"
Person 1: Ethnicity
Person 1: Sex (used for reporting purposes)
Person 2: Full Name

First NameLast Name
Person 2: Date of Birth

MonthDayYear
Date
Person 2: Social Security Number
Person 2: Race
Person 2: Please enter "other race"
Person 2: Ethnicity
Person 2: Sex (used for reporting purposes)
Person 3: Full Name

First NameLast Name
Person 3: Date of Birth

MonthDayYear
Date
Person 3: Social Security Number
Person 3: Race
Person 3: Please enter "other race"
Person 3: Ethnicity
Person 3: Sex (used for reporting purposes)
Person 4: Full Name

First NameLast Name
Person 4: Date of Birth

MonthDayYear
Date
Person 4: Social Security Number
Person 4: Race
Person 4: Please enter "other race"
Person 4: Ethnicity
Person 4: Sex (used for reporting purposes)
Person 5: Full Name

First NameLast Name
Person 5: Date of Birth

MonthDayYear
Date
Person 5: Social Security Number
Person 5: Race
Person 5: Please enter "other race"
Person 5: Ethnicity
Person 5: Sex (used for reporting purposes)
Person 6: Full Name

First NameLast Name
Person 6: Date of Birth

MonthDayYear
Date
Person 6: Social Security Number
Person 6: Race
Person 6: Please enter "other race"
Person 6: Ethnicity
Person 6: Sex (used for reporting purposes)
Person 7: Full Name

First NameLast Name
Person 7: Date of Birth

MonthDayYear
Date
Person 7: Social Security Number
Person 7: Race
Person 7: Please enter "other race"
Person 7: Ethnicity
Person 7: Sex (used for reporting purposes)
Person 8: Full Name

First NameLast Name
Person 8: Date of Birth

MonthDayYear
Date
Person 8: Social Security Number
Person 8: Race
Person 8: Please enter "other race"
Person 8: Ethnicity
Person 8: Sex (used for reporting purposes)
How many children listed above, under the age of 7 years old, have been tested for lead poisoning?
Child's Name

First NameLast Name
Date of Testing

MonthDayYear
Date
Location of Testing
Child's Name

First NameLast Name
Date of Testing

MonthDayYear
Date
Location of Testing
Child's Name

First NameLast Name
Date of Testing

MonthDayYear
Date
Location of Testing
Child's Name

First NameLast Name
Date of Testing

MonthDayYear
Date
Location of Testing
Child's Name

First NameLast Name
Date of Testing

MonthDayYear
Date
Location of Testing
Child's Name

First NameLast Name
Date of Testing

MonthDayYear
Date
Location of Testing
Child's Name

First NameLast Name
Date of Testing

MonthDayYear
Date
Location of Testing
Household Income

List Income for anyone living in the home who is over 18 years old, below.
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Name

First NameLast Name
Gross Monthly Income
Income Source
Income Source
Income Source
Employment Information
Applicant Employment Status:
Is the applicant employed?
Employer's Name
Employer's Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Employer's Phone Number
Please enter a valid phone number.Format: (000) 000-0000.
Co-Applicant Employment Status:
Co-Applicant's Name:

First NameLast Name
Is the Co-Applicant Employed?
Employer's Name
Employer's Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Employer's Phone Number
Please enter a valid phone number.Format: (000) 000-0000.
The information below is requested solely to determine compliance with Federal civil rights law. Your response(s) will not impact the consideration of your application.
Applicant's Gender
Applicant's Race
Please enter "other race"
Applicant's Ethnicity
Does any member of the household have disabilities?
Please describe:
Required Documents: Please attached a copy of the following items to this application:
Warranty Deed: Please provide a COPY ONLY of the WARRANTY DEED for the property to be rehabilitated. If you only have a QUIT CLAIM DEED, you must provide copies of ALL QUIT CLAIM DEEDS dating back to and including the original WARRANTY DEED.

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Property Tax Summary

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Homeowner's Insurance Policy Cover Sheet

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Proof of Income - Please provide supporting documentation for proof of income, which may include the following: Paycheck stubs for the most recent 30 days; W-2 Forms; Last year's tax return; SSI/Social Security earnings benefit letters

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***Additional documents will be required upon selection of a home for participation in the Neighbor2Neighbor Home Improvement Program***

Applications will be accepted March 1, 2026 - May 15, 2026. Applications will be reviewed for eligibility and scored by a committee to determine who will be served first.

APPLICATION DUE DATE: MAY 15, 2026

Complete and select "SUBMIT", or print and mail to:

Sturgis Neighborhood Program
PO Box 413
Sturgis, MI 49091
(269) 651-4780

Designated office hours will be available to assist applicants. If you need help completing your application, please contact Sturgis Neighborhood Program to schedule an appointment.

DATA PRIVACY STATEMENT

TO BE READ BEFORE SIGNING THE APPLICATION FORM
All information you provide about you and your household is considered private data.

The information collected from you or from other agencies or individuals (authorized by you) is used to determine your eligibility for this program. You are not required to provide information about your marital status or race. However, this information is vital to determine to what extent our programs are used by minorities or serve certain types of households. All other information on this form, including your Social Security Number is required to determine your eligibility for participation in our program or required by the State or Federal agency funding your loan.

We will use your private data only when it is required for administration and management of the program. Other persons or agencies with whom this information may be shared include:
- Staff who are involved in the program
- Auditors who perform required audits of our program
- Authorized personnel from the Michigan State Housing Development Authority
- Those persons who you authorize to see it
- Law enforcement personnel in the case of susptected fraud
Under Michigan's Freedom of Information Act, individuals or organizations have the right to receive the names, addresses and amounts of assistance provided to you under this program. However, they are not entitled to see private information about your income, your sources of income, or credit information.

I hereby certify that the preceding information is true and complete to the best of my knowledge and that I have indicated the total annual income received by every member of the household. I give my permission to this agency to make any inquiries necessary to verify the information submitted with this application and to share necessary private data with those who need to know it or are required by Federal or State law to know it. I understand that I will be prosecuted for fraud if I knowingly provide false information.

*If an application is selected, the completion of additional paperwork will be required.
Applicant Signature
Date

MonthDayYear
Date
Name

First NameLast Name
Co-Applicant Signature
Date

MonthDayYear
Date
Name

First NameLast Name
Should be Empty:

Sturgis Neighborhood Program

Mortgage Information

DATA PRIVACY STATEMENT