Home Repair Payment Assistance
Utility Housing Payment Assistance
Creative Compassion, Inc. (CCI) began with the primary goal of increasing the number of quality homes in Cumberland and surrounding counties. We pursue this goal by building modest single family homes, ranging in size from 1000 – 1680 square feet, 3-4 bedrooms. Since 1992, we have added 186 modest homes to the Upper Cumberland.
You don’t need to have your own financing or land secured before you come to us! We help mortgage applicants apply for USDA financing right here in our office. Once we help you obtain a mortgage approval, we tell you what size house we can build especially for you.
We will aid you in locating land and we even purchase the land! It just has to be buildable and an environmentally-friendly lot. We assess this initially and also gather expert opinion from surveyors, soil scientists, State of Tennessee, and conversation agencies.
When you build with us, we pay up to $2,500 of your closing costs, and if your house appraises for enough, it is even possible to finance closing costs in to your mortgage.
All of this means that a majority of our homeowners move into brand new homes with little-to-no money out of pocket!
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We will help you obtain a mortgage pre-approval before you begin construction or begin working with your realtor to find a home on the market.
Pros of Mortgage Pre-Approval:
- Shows sellers & realtors you are serious about buying a home
- Gives you a good idea of what you can afford to spend
- Strengthens your position as a buyer when you make an offer
The loan product we love is the USDA 502 Direct. It has been around a long time and is only available to low-income homebuyers who wish to buy a home in a rural area. Some households can also qualify for what is called “payment subsidy,” which means you could very well get payment assistance on your monthly mortgage payment. This may go diminish or go away if your income increases from year to year, and you may be required to give a portion of this assistance back should you ever sell your home in the future, but regardless, it is a great tool to get buyers to their goal of homeownership!
The program has competitive interest rates, too.
Since 2009, we have helped 98 households pay for repairs to their homes. We offer several programs to help homeowners pay for home repairs, both large & small. Available financing may be in the form of a low or no interest loan or a *grant. (*Eligibility for grant assistance or no interest loan can ONLY be determined by turning in a completed application.)
Base requirements include:
- You or at least 1 applicant must have ownership in the home
- The repair(s) being requested must be necessary
- Must be low-income (this number changes yearly and is based on family size, so let us determine this by you submitting an application)
**If you are a low-income veteran living in a rural area, you may qualify for an additional type of repair assistance if we have it available. Click here to visit this program’s specific page information and application.
This program began in 2022, and we helped 50 households in that first year. We currently help families in Cumberland, Fentress, Overton, Putnam, and White County, TN, stay up to date on their housing and utility payments. Housing means rent or mortgage; utility means electric, water, gas, or internet bills.
Basic requirements include:
- You must submit the latest mortgage statement or current lease and be the person listed as the owner or current renter of the residence (if asking for housing payment assistance)
- You must submit the latest utility billing statement and be the one listed on the utility bill and address must match (if asking for utility payment assistance)
- You must identify and provide proof of a legitimate circumstance that led to you being unable to stay up to date on your bills. Examples can be found here: https://ccihomes.org/examplesrupa
- You must not have received assistance from this program in the last 18 months from the date we helped you last