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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 budget Home 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

- Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. ?- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.

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

Monthly Homestrech workshops cover the home-buying process from start to finish and are designed to help participants become informed and prepared consumers. Workshops also utilize the current knowledge of local industry professionals with guest speakers including local loan officers, realtors, home inspectors, closing agents, and home insurance professionals. Counseling: Offers free private and confidential one-on-one professional advice to help participants achieve their dream of homeownership. Counselors will work with participants to: - Address credit problems that could prevent participants from getting a mortgage - Create a customized action plan with specific, manageable steps to help clients achieve their goals - Determine affordability - Develop a spending and savings plan - Find the right mortgage product for the participant's needs - Provides participants with a free copy of their credit report that includes a credit score

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

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 programs Multi-Family Projects: Creates and preserves affordable housing throughout southeast and south central Minnesota (Fox Pointe Townhomes, Spring Creek Townhomes, Prairiewood Townhomes, and Northbridge Apartments).?

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 annually Section 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.

- Affordable homeownership gap assistance available through MN Housing - Economic Development Authority (EDA) funds are available to first-time homebuyers with preference given to low-income renters participating in the Housing Choice Voucher program - Home-ownership training providing Home Stretch classes. Participation in the home-ownership training is required for financial assistance. - Monthly mortgage payment assistance is available to first-time homebuyers who are currently receiving Housing Choice Voucher rental assistance

Financial Education program which offers individuals the opportunity to learn the basics of creating a budget, banking, building credit, and the importance of saving. Services include: - Financial Coach: Provides one-on-one service to help individuals create a budget, review credit reports, work on financial goal planning, and learn how to move toward financial stability and independence - Home Stretch: Partnership with MN Housing and MN Homeownership Center; an 8-hour class that walks through all of the steps of purchasing a home. Individuals will hear from realty, lending, and home insurance professionals.

- Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. ?- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.

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 budget Home 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

Private nonprofit company revitalizing neighborhoods by creating and supporting successful home ownership through a one-stop shop: - Counseling on home purchase - Financial literacy programs - credit, budgeting, financial planning - Foreclosure prevention, anti-predatory lending support and programs - Home Stretch home buyer workshops - Low interest and deferred loans for home improvement and down payment assistance; grants may be available - Programming in Hmong including Home Stretch Workshops, home buyer, financial literacy, foreclosure prevention programs - Renovated or new homes for sale NOTE: Does not provide rental assistance, rental units, or assist with other rental issues

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

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

Provides low-income housing units and programs such as: - Glenville Apartments for rent - Minnesota Cities Participation Program: Low-interest mortgages for first-time home buyers in Freeborn County - Own and manages public housing units that consist of 176 units - Property management services for private rental and property sales, rehabilitation, and management

Potential homebuyers can educate themselves by participating in one of Dakota County Community Development Agency's homeownership courses such as: - Home Stretch Homebuyer Education Program: Teaches homebuyers about the entire home buying process from beginning to end and the responsibilities of owning a home. Courses are offered monthly with a total of 9 hours. - Pre-Purchase Counseling: Free individual advising to households purchasing a home in Dakota County and have completed the Home Stretch course. Counseling assists homebuyers in developing a plan to become successful homeowners, save for a down payment, or repair their credit history. - Refinance Counseling: Provides one-on-one counseling sessions to homeowners with an opportunity to compare their current mortgage against a refinanced mortgage

Agriculture: Works directly with the beginning farmers and build relations between them, local, and regional markets Asset 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.

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.

- Pre-purchase/homeownership informational workshops and individual counseling on home purchase process - Foreclosure Prevention: Assistance on work-out options with lenders and HUD - Provides free housing counseling

Classes designed to help clients get out of debt, improve their credit, save money for the future, get ready for home ownership, learn the basics of investing, avoid predatory lending, and become financially independent. Strategies include: - Budgeting to create savings - Reducing debt - Fixing credit report errors - Paying off collections - Building good credit - Helping to maintain solid income and employment and saving for down payment? - Certified Homebuyer Education course that is often required by lenders Housing Counselors help clients get mortgage-ready and once ready, figure out how to: - Shop for a lender - Pick a loan - Decide on a real estate agent - Find a home - Figure out home inspection, home insurance and closing processes - Housing Counselors assist throughout the entire home-buying process FAIM Matched savings program for down payment and closing costs, often used to help save for first-time homeownership

- Head Start - Early Headstart - Invest Early - Head Start children 0 - pre-school age children - Information and referral - KOOTASCA Transitional - Homebuyer Program/Home Stretch - Fairview Horizon Apartments - Family Homeless Prevention Program - Energy Assistance - Information & Referral - Transitional Housing - Weatherization - Home Rehabilitation Grants/Loans - Crisis/Outreach - PC's for People

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 programs Multi-Family Projects: Creates and preserves affordable housing throughout southeast and south central Minnesota (Fox Pointe Townhomes, Spring Creek Townhomes, Prairiewood Townhomes, and Northbridge Apartments).?

- ACT test preparation - Acting - Adapted sports/games - American Sign Language and German language instruction - Ballet - Basketball - Beadwork - Belly dancing - Bingo - Boxing - Bridge game - Chess - Computer classes - Cooking - Drawing - Exercise - Field trips - Figure skating - Gardening - General health education - Gymnastics - Homebuyer counseling - Jazz dancing - Karate - Mature driver training - Painting - Parenting skills classes - Sculpture - Self-defense - Sewing - Snowshoeing - Swimming lessons - T'ai Chi - Table tennis - Taekwondo - Volleyball - Writing - Yoga

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

- Foreclosure Prevention: Helps individuals avoid foreclosure when they're struggling to make mortgage payments. Counselors: review current finances to give a clear idea of options, works with individuals to submit paperwork to apply for mortgage modification, refers to government programs to help save the home, assists with postponing the sheriff's sale to enable more time to work out a mortgage solution. ?- Homebuyer Counseling: Helps individuals set themselves up for long-term success for buying a home. Counselors will: assess the financial situation, address barriers such as credit and debt, determine if an client is ready to buy and help calculate what they can afford, share information on current mortgage loan programs, and refer to down payment and closing cost assistance programs. - Reverse Mortgage Counseling: Advises individuals on reverse mortgages which allows older adults who have equity in their homes to obtain cash from their homes without selling them in order to pay for home health care and other needed services. Reverse mortgage counseling is available by phone throughout Minnesota or in person at the Brainerd, Duluth, Minneapolis, and Willmar locations only.