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Affordable Housing

Purchase a House

New Home Owners

The Homeowner Development Program has assisted over 400 families buy their first home.  Participants are required to attend an eight hour home buyer education program explaining the facets of buying and owning a home including information on mortgages, inspections, and working with real estate professionals.  The household is required to go through a financial readiness meeting where credit scores and financial readiness are reviewed and where credit repair and savings plans are designed, if necessary.  We able to provide eligible home buyers with down payment assistance in the form of a 0% deferred second mortgage.  The program is for persons earning 80% or less of county median income and is available in Fond du Lac, Green Lake and Winnebago counties. 

Rehab Your House

The Rehabilitation Loan Program assists low to moderate income (< 80% CMI) homeowners to live in safe and decent conditions by providing technical and financial assistance and by bringing their homes up to minimum health and safety standards. It is a repair program that may assist with structural issues, heating systems, roof, gutters, plumbing problems, electrical issues, accessibility needs and other code violations and identified work as specified. 

The minimum loan amount is $1,000 and it may not exceed $29,999.  A qualified applicant must own the home, mortgage and real estate taxes must be current, and they must meet the income qualifications.  The unit must be owner occupied single family residences.  We are unable to assist persons living in a mobile home, or those whose debt to loan value exceeds 100% of assessed value.  Homeowners have control over the selection of the contractors they use.  We provide a 0%, deferred loan to the homeowner in the form of a mortgage for the total amount of work done plus fees.

The Rehab Program is an automatic part of our Home Buyer Program where the homes are inspected prior to the homebuyer purchasing the property, as well as to current eligible homeowners.

Rent a Place to Live

Rental Home

ADVOCAP owns properties in Fond du Lac, Green Lake, and Winnebago counties. Most properties have a maximum income limit of 50 – 80% CMI.

ADVOCAP has three types of rental properties. Providing safe, decent and affordable housing to specific populations in our service territory. 

  • Persons coming out of shelter, and working with the Homeless Services through individualized case management.
  • Persons in need of affordable houses, specifically for large families who have a hard time finding rental properties and single persons interested in living in efficiency units.
  • Persons with disabilities where 2-4 unrelated adults live in the same home and share living costs and case management/care staff.

Foreclosure Prevention

The Homeowner Education, Assistance and Direction Program (AHEAD) is designed to assist low income homeowners who are at risk of foreclosure.  AHEAD is about providing eligible households the tools and resources necessary to get back on track with their individual spending plans.  The program provides foreclosure counseling and direct financial assistance is in the form of a six month deferred loan up to a maximum of $5,000.  The participants must provide proof of eligibility, verification of need, agree to post-purchase financial counseling, and show ability to make future payments.  Financial assistance is only available for past due principal, interest, taxes and insurance. 

Homeless

Participants who find themselves homeless can become enrolled in a strength based case management approach to address their personal barriers to becoming self sufficient. Limited financial assistance for enrollees, combined with case management, provides participants support in their journey.  Individualized assistance in obtaining income, housing and addressing other barriers provides a temporary safety net for families who are able to redirect their lives.  This program operates in Fond du Lac, Green Lake and Winnebago counties and participants must qualify for the program.

***Consumer Notice***
Wisconsin Homeless Management Information System

ADVOCAP receives funding from U.S. Department of Housing and Urban Development and/or the State of Wisconsin Department of Administration, Division of Housing to provide services for individuals and families who are homeless or at risk of becoming homeless.
In order to receive this funding, this agency must participate in the Wisconsin Homeless Management Information System. This system collects basic information about clients receiving services from this agency to get a more accurate count of individuals and families who are homeless and to identify the need to provide different services.
We only collect and share only the information that we consider to be appropriate. The collection and use of all personal information is guided by strict standards of confidentiality. A copy of our Privacy Notice describing our privacy practices is available to all consumers upon request.
Your information will be shared with other area agencies that participate in HMIS, unless you request that your information remain closed (confidential). Keeping your information closed means that your information will only be available to case workers and intake workers within this agency. If you are interested in keeping your records closed, please talk to a case manager or intake worker.
Public Notice (Federal Register/Vol. 69, No. 146)
Effective August 30, 2004

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