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Home Award Member Services Directors Scholarships Conference Summer Food Service Program More Housing Association of Mississippi is a nonprofit organization established in 1995 and is dedicated to the improvement of the lifestyle of our rural citizenry. In providing safe and affordable housing both borrower and lender have committed themselves to safeguarding the borrowers investment and maintaining adequate security for the lender. HAM is therefore dedicated to the enhancement of rural multifamily housing through the promotion of professionalism of apartment management. Scholarship Applications are now available.