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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

LSS Center for Financial Resources provides financial counseling and education, housing resources, and debt management. Services include: Financial Education, Financial Management/Budget Session, Debt Management Program, Bankruptcy Counseling, Credit Report Consultation, and Student Loan Consultation. We also offer Housing Resources including: First-Time Homebuyer Sessions, Homebuyer Education Seminars, Homeowner Financial Management Sessions, Mortgage Foreclosure Prevention, and Rental Housing Counseling and Education. Meets with clients to review their spending plan and overall financial situation. This includes creating and reviewing a spending plan, taking a look at any debts they have, identifying the cause of any financial issues, and exploring options and solutions specific to their situation. Lutheran Social Services does not consolidate debt. The debt management plan allows clients to make one monthly payment through the LSS agency to their creditors. This helps clients pay off debts on a budget that works for them. If this is not a realistic option, the certified credit counselors will work to create an action plan to explore other alternatives.

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.

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

*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).

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.

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.