Goal is to revitalize neighborhoods by assisting in providing decent, safe, and affordable housing in Western South Dakota. Provides assistance to families to buy and fix their homes through: down payment and closing cost assistance, rehab loans (can only be utilized with homes on a permanent foundation, no manufactured homes on rented lots), affordable housing, credit counseling, home-buyer education, and foreclosure prevention and counseling. Rehab loans include 3 to 5 year forgivable loans, deferred loans, and low interest loans depending on the homeowners income and can be used for a variety of Life Safety repairs such as heating, plumbing, electrical, windows, rood, decks and steps, handicap access, etc. Loan terms, conditions, and availability are subject to change without notice.