Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

Provides multi and single family financing and development, including: Single family home ownership loans at low market rates to qualified first-time home buyers. Repeat home buyer loan program offers low interest, fixed rate mortgage loans and cash assistance Governors' House Program for income qualified individuals and families. Administers federal programs for development and management of multifamily housing, housing counseling, and homelessness services. Home buyer education Down payment assistance Home improvement loans i.e.. CHIP (Community Home Improvement Program) which is for low income homeowners (limit is 120% of median income) to make repairs or improvements to their home. Interest rate is 2.9%. Administers home-buyer education and other housing programs

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals

A bonded, non-profit credit counseling agency offering debt management programs, financial counseling, bankruptcy counseling, and housing counseling.

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

*SEHP does not provide any kind of financial assistance for rent or rental deposit. Programs and Services: First Time Homebuyer Education (Attendees may be eligible to receive discounts on closing costs.) Adult/Youth Financial Literacy and Debt Management (We teach tenants how to evaluate their current financial condition, budget their expenses, and set financial goals so they are able to pay their monthly rent on time.) Credit Review Services (We assist clients establish credit and improve credit scores.) Rental Education (Clients learn about tenant-landlord relationships, financial planning, credit restore & rescore.) Classes are offered by appointment either as an individual or in a group session (virtual, in person, or online course).

CCCS offers a variety of education programs and information to help you make informed financial decisions and live better. Available classes include: - Credit When Credit Is Due: A 6 hour financial education course that covers all aspects of credit and borrowing. The course teaches people how to better manage their money and steps to take to improve their credit score. Graduates of the course receive information to send to the credit bureaus to add a positive statement on their credit reports. - Make Your Move: An educational program for anyone looking to purchase a home or refinance a home. Make Your Move takes a complicated subject and makes it simple. This course meets HUD guidelines. You will learn all about the home buying process. The Ins and Outs of Renting: A 2 hour rental education course for anyone already renting or looking to rent. Learn the rights and responsibilities of being a renter, what questions you should ask before renting, and tips to get the right rental for you. Classes for groups can be scheduled by phone and taught at location. No charge for this service.

Provides the following services: housing counseling, credit counseling, support services and referrals, Veterans' assistance, homebuyer programs, rehab assistance, food security assistance, small business counseling, financial literacy and homebuyer education, after school nutrition program, construction trades and skills training, coordinating homebuying experience from intake to closing, COVID-19 community food and essentials relief, and homeless outreach services and relief.

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals

Available to any first-time homebuyer and covers pros/cons of owning, budgeting for successful home ownership, credit reviews, the pre-approval process, working with a realtor and lender, and down payment assistance available to buyers. ​Participants are eligible to receive discounts on closing fees. Pre-foreclosure counseling and money management education also available. *SEHP does not provide any type of financial assistance for rent or rent deposit.

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

The Objective Zero App connects service members, veterans, their families, and caregivers to peer and civilian support through voice, video and text and to mental health and wellness tools and resources. The app is free to download and free to use.

​Financial Counseling: helps individuals develop a plan to address their financial situation by reviewing income, budget, and current creditors. Online counseling available on website. Housing Counseling: Helps individuals gain and maintain safe and affordable housing through pre-purchase counseling, mortgage counseling and refinance options, foreclosure prevention, and rental delinquency counseling.

HAPI's purpose is to facilitate very low to moderate income households in securing and/or refurbishing good quality, affordable housing. Provides no-cost Home Buyer Education classes, closing cost assistance, home repair/rehabilitation grants, and builds a variety of houses in the moderate income price range.

GROW South Dakota is a HUD approved Housing Counseling agency and Housing Education Resource Organization (HERO) offering individual and online education for home ownership. Also offers one on one pre-purchase, rental counseling, and financial management for homeowners.

Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals

Employment Assistance - Career planning, development of jobs search skills, interviewing, networking, and resume assistance. Exceptional Family Member Program (EFMP) - Provides information and referrals to local resources for Air Force Families with an exceptional family member (whether medical, emotional, physical or educational). Military and Family Life Counselor Program - Masters or doctorate-level licensed counselors provide short term, non-medical counseling services to service members and their families at no-cost (anger management, communication, relationship issues, conflict resolution, parenting, decision making skills, deployment stress, coping skills, homesickness, relocation adjustment, reintegration, separation, sadness, grief and loss). Personal Financial Management - Provides counseling and education with budget and savings management. This can be done in a one-to-one financial counseling setting or in a class. In conjunction with the American Center for Credit Education, provides classes such as Credit when Credit is Due, Money In Motion, and Home Buying classes for financial education. Readiness program - Assists military members and their families to prepare and go through deployments, TDY's, and remote tours. The Readiness program offers assistance with pre-deployment counseling, preparing practical aspects of separations, providing support to families, and offering reunion support.

Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals

A program of Consumer Credit Counseling Service of Lutheran Social Services of South Dakota dedicated to providing tools that individuals, couples and families need to be successful homeowners. Provides pre-purchase counseling, Home Buyer Express sessions and seminars (for new homeowners) as well as Mortgage Foreclosure Prevention counseling and reverse Mortgage Counseling for homeowners 62 and older. The Housing Resource Center is a non-profit program which helps everyone from new homeowners to current homeowners needing help to gain financial stability in order to prevent mortgage delinquency. The Tenant/Landlord Program includes an information hotline (addressing issues such as rights and responsibilities, delinquent rent, tax credit referrals and fair housing); and education.

Center for Financial Resources provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus. First Time Home Buyer Sessions A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars provide comprehensive information on the following topics Money management strategies, including saving for a home Credit reports, scoring and wise use of credit as a homeowner Financing options (including FHA, VA, and RD loans) and working with a lender Predatory lending awareness Shopping for a home and working with a Realtor Home maintenance and the home inspection process Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education

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 - 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. The property must be located on a permanent foundation, and the occupant must own the land or have qualifying land lease.

Provides adequate, healthy, and affordable housing according to safety living standard and to create a suitable living environment to meet the needs of elderly, families, and individuals of SWO. Programs include: Homebuyers Program - Provides down payment financial assistance to enrolled Sisseton-Wahpeton Tribal members who are seeking to purchase a primary home. Contact office for application and criteria guidelines. Housing Authority - Provides decent, safe and sanitary housing for all Tribal members seeking to eradicate substandard housing and eliminate homelessness through provision of supportive services and financial assistance programs. - T Yamni Program - One-Stop Homeownership Program assists Tribal members with homeownership opportunities. Partners with SWO's Housing Authority and Homebuyer program: Assessment Site Selection Financial Credit Management Homeownership Education Financial Resource Options Default Counseling & Foreclosure Intervention