May is “Community Action Program Month!”

May is “Community Action Program Month!”

lcap

Lakeshore CAP is Celebrating Our Mission in May “Community Action Month”

We are here to identify local needs and find solutions to issues that affect low-income persons. Thank you, Governor Evers for recognizing the work we do to improve the lives of our neighbors. See the State of Wisconsin Office of the Governor Proclamation at: Wisconsin Community Action Month See a list below of Lakeshore Community Action Program’s current programming to assist eligible households in our Wisconsin service area of Manitowoc, Sheboygan, Door and Kewaunee counties.

The need for Community Action has never been greater. Neither has our resolve. We’re challenged to create solutions that don’t just help people stay afloat but build lives of stability, dignity, and, whenever possible, prosperity. And we will rise to that challenge. Community Action changes people’s lives, embodies the spirit of hope, improves communities, and makes America a better place to live.

Whether our neighbors are experiencing a temporary set back or have been priced out
of affordable housing – too many struggle to achieve a good quality of life. Despite
America’s economic recovery, nearly 40 million of us are still living in poverty and even more are just one missed paycheck away from hardship. We believe everyone should be
able to take care of their families and have an equal opportunity at success. The nation’s Community Action network – including 1,000 plus Community Action Agencies – are
a robust, national, state, and local force, reaching children and families in 99% of America’s
counties with life changing services that create pathways to opportunity and prosperity.

Lakeshore CAP’s Mission

The Lakeshore Community Action Program (CAP) mission is to promote economic and personal self-sufficiency and well-being of low to moderate income persons and families through service programs, advocacy, community education and resource development in Door, Kewaunee, Manitowoc and Sheboygan counties, and to enable and empower all persons, parents and families through voluntary prevention, education and support.

Our Vision

Our vision is to foster stable, vibrant, poverty-free communities where everyone is inspired to reach their full potential.

Our Values

To truly live our mission and ultimately achieve our vision, the following are Lakeshore CAP’s values:

  1. Integrity: To do the right thing every time.
  2. Caring: To always interact towards others with empathy and compassion.
  3. Excellence: To strive to exceed expectations.
  4. Teamwork: To act as one through collaboration, cooperation, and communication.
  5. Perseverance: To tenaciously execute our objective.

Our Programs Include . . .


Activities for Qualified Households . . .

To further the Lakeshore CAP mission, activities are developed that fulfill the following primary needs for qualified households:

  • Community services that meet basic needs for food, clothing and shelter
  • Family development services that promote parent education and support
  • Child services that provide protection from neglect and abuse
  • Housing services to promote safe, decent and affordable home ownership
  • Skills programming that stimulates job and business development

Facebook Like & Follow us on Facebook for our latest programs and events: Lakeshore CAP Facebook

Lakeshore CAP Mission & Programs

Lakeshore CAP Mission & Programs

Mission

The Lakeshore Community Action Program (CAP) mission is to promote economic and personal self-sufficiency and well-being of low to moderate income persons and families through service programs, advocacy, community education and resource development in Door, Kewaunee, Manitowoc and Sheboygan counties, and to enable and empower all persons, parents and families through voluntary prevention, education and support.

Vision

Our vision is to foster stable, vibrant, poverty-free communities where everyone is inspired to reach their full potential.

Values

To truly live our mission and ultimately achieve our vision, the following are LCAP’s values:

  1. Integrity: To do the right thing every time.
  2. Caring: To always interact towards others with empathy and compassion.
  3. Excellence: To strive to exceed expectations.
  4. Teamwork: To act as one through collaboration, cooperation, and communication.
  5. Perseverance: To tenaciously execute our objective.

Our Programs Include . . .


Activities for Qualified Households . . .

To further the Lakeshore CAP mission, activities are developed that fulfill the following primary needs for qualified households:

  • Community services that meet basic needs for food, clothing and shelter
  • Family development services that promote parent education and support
  • Child services that provide protection from neglect and abuse
  • Housing services to promote safe, decent and affordable home ownership
  • Skills programming that stimulates job and business development

 

Facebook Like & Follow us on Facebook for our latest programs and events: Lakeshore CAP Facebook

Home Buyer Assistance

Home Buyer Assistance

STEPS TOWARD HOME OWNERSHIP

For persons in Door, Kewaunee, Manitowoc, Sheboygan and Calumet counties 

Dreaming of owning a home?
Have you talked with a lender?
Are you looking for a DOWN PAYMENT?
If you are willing to participate in our program, we have assistance for income eligible households!

Prepare now for your home purchase by reading through the steps you will need to take on our Home Buyer Program page:

https://lakeshorecap.org/home-buyer/

Call 1-800-924-0510

 

 

Having Trouble Paying Mortgage?

Having Trouble Paying Mortgage?

MORTGAGE PAYMENT HELP FOR HOMEOWNERS

Many homeowners suffering financial hardship due to the COVID-19 pandemic may have difficulty making their mortgage payments. Most homeowners are eligible for help from their mortgage companies, but they have to ask for such help.

For most of us, our homes are the single largest financial investment we’ll ever make. They provide security for our families, which is especially important right now. We urge borrowers who are worried about making their mortgage payments because of the COVID- 19 pandemic to reach out to their mortgage company right away.

This relief is required under the federal CARES Act when a homeowner requests it. It applies to all mortgages insured or owned by the Federal Housing Administration (FHA), Veterans Administration, Rural Housing, Fannie Mae, and Freddie Mac. Borrowers with private mortgages may also be able to get assistance from their mortgage companies.

A federal law put in place two protections for homeowners with federally or Government Sponsored Enterprise (GSE) backed mortgages (FHA, VA, USDA, Fannie Mae, Freddie Mac). Learn about mortgage relief options and protections and if they’re right for your situation at: Consumer Finance/Coronavirus

If you don’t have a federally or GSE-backed mortgage, you still may have relief options through your mortgage loan servicer or from your state. By clicking on this link: Find out who owns or services your mortgage.

“Forbearance”

Most borrowers can delay making mortgage payments for up to twelve months by asking for what is known as a “forbearance.” Payments that are postponed due to forbearance can be caught up later by adding the payments to the end of the loan or working out another agreement to repay over time. In most cases, missed payments will not have to be paid back all at once. If borrowers cannot afford their regular mortgage payment after the forbearance ends, they can ask the mortgage company to review them for a more affordable payment.


Languages

Limited-English-proficient borrowers who need help understanding their options or who want help communicating with their mortgage company should contact a housing counseling agency approved by the US Department of Housing & Urban Development (HUD). Certified housing counselors at these agencies offer services at no cost. Borrowers can find a HUD-approved counseling agency with counselors who speak their language here: https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.


Contacts

  • English: Jan Kruse, jkruse@nclc.org or Izzy Woodruff iwoodruff@nationalfairhousing.org, 571-758-7759
  • Spanish: Agatha So aso@unidosus.org, 315-751-0283 or Nelson Santiago nelson.santiago@consumer-action.org, 213-624-4631
  • Chinese: Jamie Woo jamie.woo@consumer-action.org, 415-266-5712
  • Korean: Linda Jun linda@ourfinancialsecurity.org, 331-684-8083
  • Vietnamese, Bengali: Joyce Pisnanont housing@nationalcapacd.org, 510-452-4800 x 108

The following organizations have made this important information available in Spanish, Korean, Chinese, Vietnamese, Bangla and English: AFR Language Access Task Force, Americans for Financial Reform Education Fund, Center for Responsible Lending, Consumer Action, Empire Justice Center, National CAPACD, National Consumer Law Center, National Fair Housing Alliance, and UnidosUS.


See information and Pre-Screen Application for Lakeshore Community Action Program’s Mortgage Assistance Program at: https://lakeshorecap.org/lakeshore-cap-mortgage-assistance-program/

LCAP Awarded 2019 AHP Award

LCAP Awarded 2019 AHP Award

Lakeshore CAP’s Home Buyers Program

LCAP was chosen for a 2019 AHP (Affordable Housing Program) award by FHLB of Chicago! Our program supports neighborhoods, builds personal equity and can be more affordable than renting.

Thank you, Federal Home Loan Bank of Chicago — and our project sponsor Bank First — for helping us realize the dreams of 20 qualifying low to moderate income households with up to $6000 each in assistance!

What is the AHP?

The Affordable Housing Program facilitates the development of affordable rental housing and home ownership opportunities for very low-, low-, and moderate-income households. Through a competitive application process, the FHLB of Chicago provides grants to it’s members and their local project to finance affordable housing initiatives.

For instance, the Bank evaluates the application of each project that meets all eligibility standards. The Bank scores the applications on the basis of pre-established criteria and ranks them based on this scoring process. Then, funds are awarded to the highest-ranking projects in order until all available funding has been awarded.