Northern Homes Community Development Corporation was founded to create and preserve quality affordable housing in Northern Michigan. We are a developer of affordable single-family homes and apartment communities. We assess projects for feasibility, coordinate financing, find appropriate sites for development, and hire building contractors to build or rehabilitate homes. Our specialty is bringing together public grants and private loans to provide quality affordable housing, both rental and home-ownership, for local residents working at local jobs.

We have assisted Northern Michigan communities by creating quality affordable housing, and by helping local businesses by providing financial education classes to their employees. We also prepare families to become home buyers through home buyer counseling, credit education, and budgeting classes. In many cases we work with families for many years before they are able to purchase a home.

Northern Homes CDC believes that families must have accurate information about budgeting, household finances, and home loan products to make good financial decision. We are an approved HUD Housing Counseling Agency with Certified MSHDA Housing Counselors. We also provide foreclosure counseling services and have helped over 1000 families through their crisis. Our services are provided at no cost to families.


Jane Brochure Photo

Executive Director: Jane MacKenzie


Dedication Leads the Way

Staff and Board Members provide ongoing support

Our devoted and well-trained staff gives Northern Homes CDC a unique advantage in the world of affordable housing. Each staff member is trained in affordable housing development and finance. Three staff members are also specifically trained to provide adult education classes in foreclosure prevention, household finances, credit education, and home buyer training.


Our Training

  • Michigan Conference on Affordable Housing
  • Real Estate License Continuing Education
  • Foreclosure Intervention and Default Counseling
  • Developing and Implementing and Effective Foreclosure Prevention Program
  • Greenbuilding
  • Best Practices in Foreclosure Counseling for LINKS Agencies
  • National Rural Housing Conference


Our Credentials

  • HUD Housing Counseling Agency
  • MSHDA LINKS Certified Housing Counselors
  • Foreclosure Intervention and Default Counseling Certification by NeighborWorks


Our Board of Directors- 2016

Johnson Board7418

  • President- Jan Bassett
  • Vice President- Rick Anderson
  • Treasurer- Sue Cleary
  • Secretary- Tom Johnson
  • Shannon Fender
  • Dick Lomas
  • Bobbi Gonzales
  • David White
  • Roger Royer
  • Mel Matchett
  • Bryan Gillett
  • Kevin Makarewicz, P.E.


Cooperative Connections

Our Network Makes Us Stronger

We connect with area organizations to multiply resources and provide a broad range of services. Our attendance at statewide forums and contacts with state and national organizations helps ensure that we will remain a leading organization in creating affordable housing in Northern Michigan.

Our Network Partners


In the Media:

04/27/2015- William H. White House- Alyssa Gambla- 9&10 News: Boyne City Welcomes Senior Housing Development

09/23/2014- Meredith Manor- author unknown- 9&10 News: Affordable Senior Housing Needed in Northern Michigan

05/15/2013- Morgan Sherburne- Petoskey News Reveiw: Historic Boyne City building may receive renovation

02/26/2013- Ryan Bentley- Petoskey News Review: Petoskey, Northern Homes receive grants for home demolitions

02/15/2013- Shawna Jankoviak- Cheboygan Tribune: Help available to save homes; County residents could receive up to $30,000 in aid

01/25/2012- Sheri McWhirter- Petoskey News Review: More downtown apartments might come to Boyne City

02/08/2011- Michael Jones- Petoskey News Review: Foreclosure help for those in need




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