Housing Counseling

ERBA’s Housing Counseling Program Offers:

Repair and Home Grant/Loan Assistance

  • USDA 504 home repair $9250 grants (must be 62+) for health and safety hazards and accessibility – income based. Contact Maicie (Clark, Crawford, Jasper, Lawrence and Richland) and Katie (Coles, Cumberland, Douglas and Edgar)
  • USDA 504 repair low interest loans any age (example: new roof, siding, windows, furnace…) Contact Maicie (Clark, Crawford, Jasper, Lawrence and Richland) and Katie (Coles, Cumberland, Douglas and Edgar)

 

  • Assistance with completing home loan applications for USDA 502 home loans (no downpayment required), FHA, Traditional Banks. Contact Maicie (Clark, Crawford, Jasper, Lawrence and Richland) and Katie (Coles, Cumberland, Douglas and Edgar)
  • Ameren Home Efficiency Grant/Loan Program– all income based (insulation, sealing and furnaces) We can assist clients with application if needed, but Ameren will only speak with clients.                                                                                            Call Ameren1.866.838.6918 or use link https://cloud.ee.ameren.com/HEIQCustomerApplication

 

  • Coles County Regional Planning – REHAB, Handicap Accessibility Program, in the communities of Charleston, Mattoon, Paris, Oakland, Ashmore, Greenup, Martinsville, Toledo, Casey, Neoga, and in Coles, Cumberland and Clark Counties. We can assist clients with application if needed, but CCRP will only work directly with clients. https://www.colesco.illinois.gov/ccrpdc/housing/ (217) 348-0521

 

  • Coles County Regional Planning – Home Repair Program (HAFHR)* to allow eligible homeowners the ability to address home maintenance needs that were delayed and exacerbated due to the COVID-19 pandemic. HAFHR will make home repair grants up to $60,000 per eligible homeowner. Coles, Clark, Cumberland, Douglas, Edgar https://www.colesco.illinois.gov/ccrpdc/housing/ (217) 348-0521

 

Housing Counseling/Financial Coach

  • Delinquency/Foreclosure Prevention Counseling – We have no funding to pay for mortgages, but we are working with clients and lenders – Contact Sandy
  • Pre-Purchase Home Buyer Education Online(Ehome and Framework) and 1:1 counseling –Contact Tessa
  • Post Purchase Workshops and 1:1 – how to save $ on utilities and home repair grants – Contact Sandy, Maicie or Katie
  • Budget and Credit workshops – Budget and Credit 101 – and 1:1 Contact Sandy, Maicie or Katie

 

Call Maicie 618-847-0466 (Clark, Crawford, Jasper, Lawrence and Richland), Katie 217-961-0834 (Coles, Cumberland, Douglas and Edgar), Tessa 217-331-7028 or Sandy Deters 217-331-7031

 

This institution is an equal opportunity provider and employer.