Housing and Urban Development (HUD)-approved housing counseling is for consumers who are seeking, financing, maintaining, renting or owning a home. The sessions help consumers make responsible housing choices in light of their needs and financial situation. Housing counselors educate first-time home buyers about financing options. Counselors also help anyone who wants to (or already does) rent or own a home, to make their rent or mortgage payments and to be a responsible tenant or owner.

Counselors who provide this service are trained and approved by HUD.

Counselors provide ongoing guidance to:
* Help you assess your financial situation
* Determine if you are ready to buy and help you calculate what you can afford
* Address barriers, such as credit, debt or student loans
* Share information on current mortgage loan programs
* Connect you to down payment and closing cost assistance programs
* Achieve your goals based on your specific needs

Services are available for Minnesota residents by phone or virtually. They also offer in-person appointments across Minnesota.

Counselors are fluent in Spanish and Hmong. In addition, American Sign Language (ASL) interpretation is available as needed.

This agency provides the following counseling services:
* Mortgage Delinquency and Default Resolution Counseling
* Pre-Purchase Counseling
* Financial Management/Budget Counseling
* Reverse Mortgage Counseling

• Area Served by County
  • Aitkin County 
  • Anoka County 
  • Becker County 
  • Beltrami County 
  • Benton County 
  • Big Stone County 
  • Blue Earth County 
  • Brown County 
  • Carlton County 
  • Carver County 
  • Cass County 
  • Chippewa County 
  • Chisago County 
  • Clay County 
  • Clearwater County 
  • Cook County 
  • Cottonwood County 
  • Crow Wing County 
  • Dakota County 
  • Dodge County 
  • Douglas County 
  • Faribault County 
  • Fillmore County 
  • Freeborn County 
  • Goodhue County 
  • Grant County 
  • Hennepin County 
  • Houston County 
  • Hubbard County 
  • Isanti County 
  • Itasca County 
  • Jackson County 
  • Kanabec County 
  • Kandiyohi County 
  • Kittson County 
  • Koochiching County 
  • Lac qui Parle County 
  • Lake County 
  • Lake of the Woods County 
  • Le Sueur County 
  • Lincoln County 
  • Lyon County 
  • Mahnomen County 
  • Marshall County 
  • Martin County 
  • McLeod County 
  • Meeker County 
  • Mille Lacs County 
  • Morrison County 
  • Mower County 
  • Murray County 
  • Nicollet County 
  • Nobles County 
  • Norman County 
  • Olmsted County 
  • Otter Tail County 
  • Pennington County 
  • Pine County 
  • Pipestone County 
  • Polk County 
  • Pope County 
  • Ramsey County 
  • Red Lake County 
  • Redwood County 
  • Renville County 
  • Rice County 
  • Rock County 
  • Roseau County 
  • Scott County 
  • Sherburne County 
  • Sibley County 
  • St. Louis County 
  • Statewide 
  • Stearns County 
  • Steele County 
  • Stevens County 
  • Swift County 
  • Todd County 
  • Traverse County 
  • Wabasha County 
  • Wadena County 
  • Waseca County 
  • Washington County 
  • Watonwan County 
  • Wilkin County 
  • Winona County 
  • Wright County 
  • Yellow Medicine County 

Individuals, families or groups who are tenants, homeowners, homeless or homebuyers, may receive counseling from HUD-approved and HUD-funded housing counseling agencies.

Free or low cost

Statewide

https://www.lssmn.org/financialcounseling/financial-wellness-services/homeownership-counseling

https://www.lssmn.org/financialcounseling

11/22/2024