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Agriculture: Works directly with the beginning farmers and build relations between them, local, and regional marketsAsset Building: Assists individuals to achieve long-term economic goals through asset building. Helps establish finacial literacy, identifying edication and training programs. Assists in developing budgets and savings plans for home buyers. Emergency Housing Services: Assists immigrants and refugees to secure affordable, safe rental housing. Participants in this program are assisted with housing placement, a small short-term rental subsidy (based on income eligibility) and intensive case management to help families overcome barriers to self-sufficiency and obtain sustainable housing.Homeownership Counseling: Provides one-on-one counseling and group education workshops to educate individuals on the home buying process and determine whether they are ready for homeownership. Individual counseling sessions include housing needs assessment, financial assessment, credit review, and implementation of an action plan to reach each participant's housing goals.Refugee IDA Program: An one-to-one match program to help refugees save money towards either college, car, home and owning their business. The program provides access to financial trainings, workshops, resources. Southeast Asian Farmers Education: Helps Hmong, Burmese, Karen, and Bhutanese farmers learn how to best grow their farm businesses. Program provides the resources, training, and technical assistance to help beginning and seasoned farmers to improve their income.Small Business Loans: Offers a variety of loansto economically disadvantaged clients from the immigrant and refugee communities who are intrested in starting or expanding a business. The program is designed to help start and/or expand micro-enterprises and transition towards the economic independence, business development, job creation, and community revitalization.

Provides training, education, and counseling to first-time homebuyers. Classes are open to first-time homebuyers or current homeowners. Offers a variety of homeownership tools to start the journey of owning a home, such as:- Framework: Offers access to an online learning option. An alternative course designed to help homebuyers navigate the home-buying process, which can be completed at their own pace.- Homestretch Workshops: For individuals interested in learning how to buy a home. Local professionals such as real estate agents, lenders, and home inspectors speak about their part in the process. Down payment and closing cost assistance may be available to first-time homebuyers who complete the workshop, as well as meet other eligibility criteria. Virtual workshops are available.- One-On-One Counseling Session: Counseling sessions are free and are focused on affordability, types of mortgages, budgeting, savings, and accomplishing goals

Provides the following:- Understanding of the mortage loan process- Home ownership counseling

Provides one-on-one assistance to help individuals navigate their finances, improve their financial goals, and navigate the financial systems. Services include:- Create and improve credit- Financial coaching by appointment- Financial management skills- Help navigate financial processes and applications- Home Stretch Homebuyer Workshop: An 8-hour workshop that educates and informs future homeowners to help them understand the homebuying process. The training includes information about the process of buying a home and access to down payment programs.- Gain access to supplemental resources such as the Lending Circles (Tandas) program. The Lending Circles program provides a secured loan, without cost or interest, to establish or build credit and improve the way individuals manage money.- Small business support for entrepreneurs or those interested in becoming business owners. Offers support to business owners by evaluating and organizing their finances.- Tax preparation for people with low or medium income during the tax season

Homebuyer Counseling: Provides free, HUD Housing Counselors to help clients understand how to be responsible homeowners, determine homebuyer readiness by reviewing finances, checking credit reports, and creating a budgetHome Stretch Workshops: Provides certified instructor led workshops that guide potential homebuyers to help determine readiness, make a plan to get there, and prepare for homeownership

Services to home buyers:- Down payment and closing cost assistance- Home ownership preparation- Mortgage lending and prescreening- Prepurchase property inspectionsServices to homeowners:- Bid review and construction management- Free home inspections and lead paint hazard risk assessments- Home improvement planning- Low interest deferred loans- RefinancingServices to the neighborhood:- Neighborhood marketing- Neighborhood planning and development- New home construction and sales- Renovated homes for sale- Resource referrals

Achieve Homeownership: Identifies and addresses barriers to homeownership faced by culturally diverse households and includes culturally-tailored financial literacy classes, homebuyer education classes, prepurchase financial counseling, and downpayment and closing cost assistance programsMulti-Family Projects: Creates and preserves affordable housing throughout southeast and south central Minnesota (Fox Pointe Townhomes, Spring Creek Townhomes, Prairiewood Townhomes, and Northbridge Apartments).?

Homebuyers Club meets first-time homebuyer education requirements. Classes are offered quarterly. Some topics covered during the Homebuyers Club:- Budgeting- Choosing a mortgage- Do-it-yourself home maintenance- Goal setting- Identifying a "dream home"- Negotiating a sale- Predatory lending- Shopping for a realtor, loan officer and home inspector- Types of loans available- Understanding credit and reading a credit report- What to look for with a home inspectorGraduates may be eligible for a grant from the Scott County Community Development Agency for down payment assistance.

Homeownership programs include:Community Housing Development Organization (CHDO): Provides homes available under a Contract for Deed with no down payment for those who qualify to assist in the stabilization of declining neighborhoods. Program rules provide a 0% down payment and interest loan for a maximum of 30 days.Community Revitalization Fund (CRF): ?Provides low interest loans for qualified individuals in building or buying existing homes. Down payment assistance may be available through CRF program.First-time Homebuyer Program: Partners with Minnesota Housing Finance Agency for funding made available annuallySection 8 Home Ownership Program: Helps with mortgage payments for current participants of the Section 8 Housing Choice Voucher program. The program is open to participants who have been on the voucher program for at least one year. Once on the program, the family will be issued a Homeownership voucher.

Assists individuals and families to sort through credit and debt problems to find workable solutions, includes:- Budget counseling- Community education programs- Debt management program- Housing counseling- Foreclosure prevention- Homebuyer counseling- Pre-filing bankruptcy counseling- Reverse mortgage counseling

Provides culturally appropriate pathways to homeownership for Somali women and their families, guiding women on how to utilize resources and tools for financial empowerment, and preparing them to make financial investments in a home. Services provided:- Create an action plan and steps to achieve goals- Develop a budget and savings plan- Encouragement and nonjudgmental support to build financial confidence- Homebuyer and financial education workshop- Individualized planning unique to the needs of each woman- One-on-one advice regarding credit reports and addressing credit problems

Provides the following:- Understanding of the mortage loan process- Home ownership counseling

Homestretch Home Buyer Education Program: A homebuyer education program that provides information on home purchasing loan options, purchase agreements, loan closings, budgeting, and home maintenance after the purchase. After class completion, a certificate is obtained which may enable the participant to apply for certain loan programs. MHFA Rehabilitation Loan: Income-based deferred loans for improvements for basic, necessary housing repair to owner-occupied properties. There is no interest or monthly payment until the owner sells, transfer or move from the property or until after the 15th year when the deferred loan is due and payable. Loans is also available to mobile/manufactured homes taxed as personal property located in a mobile home park.Small Cities Development Program Rehab Loans: Income-based deferred grants to low to moderate-income households living in substandard housing. The program encourages the improvement of the general appearance and value of the housing stock while making a visible and substantial improvement in the quality of life in the community. Funds are also available to commercial and rental property owners. This program can provide upgrades to properties, helping them meet code requirements and design standards. Small Cities' grants require a match from the owner of the property. Most grants are written as a 70-80% grant funds and a 20-30% owner match for project funding. There is a maximum amount of funds that a project can receive as well. Prairie Five will assist in determining the match and other funding sources or options that may be available to fund the match requirement, if needed.

Provides the following financial wellness services: - Bankruptcy Counseling and Certification- Debt Counseling and Debt Consolidation- First-Time Homebuyer Housing Counseling- Home Equity Loan Housing Counseling- Mortgage Default and Delinquency Housing Counseling- Reverse Mortgage Housing Counseling- Student Loan Counseling

Homebuyer education through the White Earth Investment Initiative through classroom and online education, and individual housing advising

Provides affordable homeownership opportunities by building or rehabilitating homes for low-income individuals and families. Selected participants are required to complete sweat equity hours by contributing labor toward the construction of their own home and/or other Habitat homes.