Creating Affordable Housing ~ Strengthening Communities

Apartment Development Program

We currently own 150 apartments and manage 5 properties.


Current Projects


Boyne City- Senior Housing Project

William H. White House

 WHWH Groundbreaking 2     WHWH Jan 2016

 Estimated Project Completion- Late Fall of 2016


Completed Projects


East Jordan- Senior Housing

Meredith Manor

 Meredith Pic 

We opened the doors of Meredith Manor in July 2015.  The 10 one-bedroom income-based apartments are available to adults age 62 and older. They feature walk-in closets, air-conditioning, and include utilities. Meredith Manor was created to fulfill the need for affordable senior housing in the East Jordan area as voiced by the local community.


Petoskey- Family Housing

Maple Village I and II

Maple Village 1

This 97-unit apartment community serves all types of working families with incomes of $7,000 to $39,000. Singles, couples, families with children, and senior citizens all make their homes in this community with 75 two-bedroom and 22 three-bedroom units. The $9.7 million project takes a significant step toward addressing the need for affordable housing in the Petoskey area.


Bellaire- Senior Housing

Bellaire Senior Apartments

Bellaire Senior Housing

This 11-unit apartment community opened on December 3, 2003. Developed by Northern Homes with assistance from Area Seniors Inc., the $1 million project was financed through a $120,000 HOME grant from MSHDA, the sale of Low Income Housing Tax Credits, a construction loan from Citizens Bank, and permanent financing from the Opportunity Resource Fund. Three apartments are rented to seniors with incomes below 45% of the area median income and with apartments are rented to seniors with incomes below 60% of the area median income.


Grayling- Family Housing

Cobble Creek I

Cobblestone 1

In 2010, we purchased Cobble Creek I apartments. Built in 1982, this 32-unit complex had a Housing Assistance Program contract for 12 of the units. With our purchase we obtained an additional 20 units of Rental Assistance, which make s the project 100% subsidized and affordable to very low income households. The apartments are in good shape but need total renovation to ensure they will maintain their good condition for another 30 years. We are now pursuing financing for the cost of rehabilitation.


Beaver Island- Senior Housing

Forest View Community

Forest View 3

After ten years of collaboration, Northern Homes CDC and Beaver Island CDC completed a building project for senior citizens living on Beaver Island. Thanks to local fund raising efforts and funding from the Michigan State Housing Development Authority and USDA-Rural Development, the two organizations were able to make affordable housing a reality for seniors in need.


Staying Home

Senior Apartments Keep Locals on the Island

The secluded natural beauty of Beaver Island doesn’t suit everyone; but those who live on the island enjoy the simplicity and serenity of the lifestyle it offers, and the tight-knit community of the people who call it home. Until recently, a lack of affordable housing for senior citizens meant that aging individuals often had to move off of the island to find a smaller, more manageable place to live. Leaving the island also meant leaving friends and family, as well as the close community they loved.

When this happened to Peter LoDico’s father-in-law some years ago, Peter knew there had to be a better option. For 10 years, Peter worked with Jane MacKenzie, Executive Director of Northern Homes CDC, to make safe, secure housing available for seniors on Beaver Island. Peter started the Beaver Island CDC and Jane searched high and low for funding. The result of their efforts is the six-unit Forest View Community apartment complex, which opened in July 2011.

The apartments have an on-site manager to assist with any maintenance issues, and they are right next to the Beaver Island Rural Health Center for easy access to medical care. In addition, they are all equipped with modern appliances and in-floor heating, making them comfortable year-round. When residents have family members visit, they can use the common great-room that is also fully equipped with a kitchen and seating area for larger groups.

Seniors thrive when given the opportunity to stay in the place they love. For seniors on Beaver Island, they now have that option.






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