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Section 8 Home Ownership - Available to eligible Housing Choice Voucher (Section 8) participants - Allows the voucher subsidy to be applied toward monthly mortgage payments instead of rent - Participants must meet program requirements, including income, employment, and home-inspection standards First-Time Homebuyer Program - Eligible if you have not owned a home within the last three (3) years - Must meet income guidelines - Minimum required credit score: 640 - Offers loans to qualifying first-time homebuyers Homes and Lots for Sale - Availability, locations, and income requirements vary by project - Occasionally, partners with local communities on housing development projects where lots or homes may become available for purchase

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).?

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 inspector Graduates may be eligible for a grant from the Scott County Community Development Agency for down payment assistance.

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

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

Provides a HUD Certified Homeownership Advisor for free to help households through the home buying journey. Services provided: - An advisor to assess the household's current situation and determine mortgage readiness, review credit report, and answer home buying questions - Helps individuals set goals and action plans - Homebuyer education classes and workshops to understand the home-buying process. Classes are virtual. - Financing options through the United States Department of Agriculture (USDA) Home Loans program. The loan assists households in purchasing safe and sanitary housing in rural areas. There is no down payment required and no monthly mortgage insurance payments. - Find a home to purchase and refer households to real estate agents and other professionals involved in the home purchase. Income qualified households will be determined based on availability of resources for the Partnership Community Land Trust program. - Low or no interest, deferred loans to cover closing costs or down payments on a home - Walk through closing of a home, review real estate documents, and loan disclosure

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 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

- 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

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).?

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.

- 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.

- 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

- 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.

- 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.

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).?

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

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

- 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.

Helps with instruction to financial readiness and credit worthiness needed for mortgage loan approval beginning with a 4-part educational workshop. 3 parts are dedicated to pre-purchase and 1 part is dedicated to post-purchase. 1-to-1 pre-purchase financial counseling completes the instruction.

- Down payment/closing cost assistance - Home Stretch Workshops - Counseling Service - Lenders/Realtors/Insurance/Inspectors - Koochiching County contact Sharon Frank at 218-283-9491 or 800-559-9491

Provides homebuyer counseling and education courses for individuals interested in buying a home for the first time. Programs offered: - Framework Online Classes: Provides an online homebuyer education course. Satisfies the homebuyer education requirements of Fannie Mae HomePath Ready Buyer and HomeReady by Fannie Mae. - Homebuyer Counseling: Free one-on-one counseling service to determine financial readiness to buy a home, help get credit ready, and educate on the process of buying a house and refer to programs that help - Home Stretch In-Person Classes: Eight-hour education course that prepares participants for the home buying process. The classroom-style workshop is taught by expert instructors from the nonprofit, real estate, and lending industries. Home Stretch is a requirement for most homebuyer assistance programs.

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.

- 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.