Provides lower debt payments and many creditors reduce interest rates and eliminate late fees. Through the Debt Management Program, make one payment which is then disbursed to all creditors on the program.

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

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

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

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

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: 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

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 state compliant and authorized agency to contact creditors for those struggling with credit card debt. This program may be able to arrange for reductions in interest rates, waive late fees, back interest, and in some cases reduce principal balances. Clients may choose to enroll in a debt management program and make one payment per month which is disbursed to creditors. Program typically saves clients hundreds of dollars a month.

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

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 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