Welcome to our first newsletter! Below you will find success stories, financial tips, homeownership information, community resources, and MCHA/CCHC program updates!
Success Story
FSS Success at MCHA!
Teshyna is a recent Family Self-Sufficiency (FSS) program graduate. The FSS program enables households assisted through the Housing Choice Voucher Section 8 program to increase their earned income and reduce their dependency on public assistance.

Teshyna joined FSS in 2016. She has worked very hard to achieve her goals and improve her financial situation. Teshyna was able to improve her credit score immensely while on the program and has been able to save money to buy a car and finance and further her education.

Teshyna says “I hope that my success in the program helps others to see that it is possible to get a jump start on your dream if you’re willing to take the leap.”

Click here to find out more about the FSS program or contact us to join the program!
Financial Tips
Pay yourself first!

It may seem unrealistic to talk about paying yourself first when facing so many financial obligations. Paying bills on time is extremely critical! Paying yourself first is planning for your future. The goal of paying yourself first is to help make sure your future self’s key financial goals are covered including building up an emergency fund, contributing to retirement and saving for any other long-term goals, like a down payment on a new home. Paying yourself first means saving before you do anything else.

Here are some quick steps to help!

1.Figure out how much you can afford. Think of small changes in spending habits and take a close look at your expenses.
2.Set a personal payment goal. If you know you can only pay yourself a small amount look for opportunities to increase these payments in the future.
3. Create a savings strategy. Once you have found money you need to pay yourself first. It’s important to save those funds until there needed.

Your Money Your Goals
Upcoming dates Free Financial classes!

  • Budgeting and savings: October 6th at 10:00AM
  • Building, repairing, and protecting credit: October 13th at 1:00PM
  • Banking Basics: October 20th at 10:00AM
  • Dealing with debt & predatory lending: October 27th at 10:00AM

Please contact Sonia Chavez to register at 541-370-2291 or email at soniac@mid-columbiahousingauthority.org
Spending more than you're saving?

Are you spending more than what you're saving and steadily going deeper into debt as a result? This is an easy and common pattern to fall into, and you’ll need some careful planning and discipline to reverse it.

The first step is to create a spending plan by examining your income and expenses to determine exactly how much money you have coming in and how you’re spending it. Once you've got a clear understanding of your current budget, the challenge is to find places where you can spend less (or earn more) in order to achieve your financial goals.

Use our Budget Worksheet and follow these steps:

1. Question Your Needs, Wants & obligations. What do you want? What do you really need? Evaluate your current financial situation and make two lists — one for needs and one for wants. As you make the list, ask yourself the following:
  • Why do I want it?
  • How would things be different if I had it?
  • Which things are important and essential to me?

When your list is complete, reevaluate what qualifies as a need before making any purchases that will impact your budget.

Want to learn more? Attend one of our FREE upcoming financial education classes!
Interested in buying a home but don't know where to start? Buying a home might be the biggest and most complex purchase of your life. We're here to help.

Down Payment Assistance

  • $15,000 down payment funds are still available in Hood River County! For program guidelines please click here
  • An additional $15,000 is available to Veterans in Hood River, Wasco or Sherman counties!

Homeownership Classes

Offered at the comfort of your home through ZOOM!
From 9:00AM- 3:00PM

November 6th, 2021
December 4th,2021

October 9th, 2021

*Online pre-registration is required, cost is $30 per household. Free to low-income households.
To register visit: www.cgcc.edu
Community Land Trust:
Owning your home through CCHC
Under the community land trust (CLT) Model, CCHC makes homeownership affordable by separating ownership of the LAND from ownership of the HOME. 

  • You buy and own the house, CCHC owns the land.
  • Affordable monthly payments
  • Heirs can inherit the house
  • For first time homebuyers
  • Standard Mortgage
  • Wealth building
  • Decorate the way you like 

Home Repair
CCHC is taking applicants for the Washington Home Repair Program (Klickitat & Skamania County). This Loan can be up to $25K with 0% differed interest to do needed repairs in your home. Space is limited so apply now!

Interested in any of these programs? Call Mario Heredia at 541-296-3397 x121 Dave Peters at 541-296-3398 x118
Se Habla Español.
Community Resources
  • WAGAP low-income home energy assistance - Taking calls beginning October 1st, 2021 at 8:00AM.(only calls received after 8:00AM will be added to the waiting list) Please contact WAGAP for more information at (509)493-2662

  • (Spanish) GED classes & continued education offered through Zoom - Please contact Juan Reyes at (541) 399-7176 to sign up or for more information.

  • Mid Columbia Community Action-Energy assistance for low-income households.
  • Office in The Dalles: (541)298-5131
  • Office in Hood River:(541)386-4027

  • Did you know your local library has lots of free events and resources for all ages? Story time, crafts, tool kits, events, and more! Click the link below to find out more:

Did you know MCHA and CCHC offers FREE financial education classes to the community?

Upcoming Financial Education classes offered through

English Dates:
  • Budgeting and savings: October 6th at 10:00AM
  • Building, repairing, and protecting credit: October 13th at 1:00PM
  • Banking Basics: October 20th at 10:00AM
  • Dealing with debt & predatory lending: October 27th at 10:00AM

Please contact Sonia Chavez to sign up.
Email: soniac@mid-columbiahousingauthority.org
Phone: (541)370-2291

Spanish Dates:
  • Prosupuesto y ahorro: 3 de Noviembre a las 5:30PM
  • Construccion y reparacion de credito: 10 de Noviembre a las 5:30PM
  • Enfrentando la deuda y los prestamos depredadores: 23 de Noviembre a las 10:00AM

Por favor de contactar a Sonia Chavez para inscribirse a las clases.
Correo electronico:
Telefono: (541)370-2291
MCHA has assistance available for those negatively affected by COVID-19:

OERAP- Assistance is available for up to 15 months of rental or utility assistance for those with a negative impact due to COVID-19. Must live in Oregon. CLICK HERE FOR APPLICATION

WA CDBG - Assistance is available for past due rent, utility or mortgages for households with a drop in income due to COVID-19. Must live in Klickitat or Skamania County. CLICK HERE FOR APPLICATION

Interested in learning more about the services offered through Mid-Columbia Housing Authority & Columbia Cascade Housing Corp?
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