The Housing Department services include: - Emergency housing services loan program - Emergency rental assistance - Home renovation - Housing renovations for housing that serves older adults and people living with a disability - Transitional housing Waiting lists are provided for: - Affordable rental housing - Home loan (financing to purchase an existing home, construct a new home, or refinance an existing home mortgage)

Resource center providing information and resources, including: - A number of various loss mitigation programs and informational resources to assist FHA-insured homeowners facing financial hardship and whose mortgage is either in default or at risk of default. - Answers consumer questions about buying a home, qualifying for a mortgage, down payment assistance, buying HUD homes, refinancing, lien releases, obtaining a HUD-1 settlement statement, request for payoff amounts, or other issues associated with an FHA-insured mortgage - HUD handbooks, forms, and publications

Assists individuals and families to sort through the maze of credit and debt problems to find workable solutions, includes: - Budget counseling - Debt management program - Housing counseling - Community education programs - Pre-filing bankruptcy counseling - Reverse mortgage counseling - Foreclosure prevention - Homebuyer counseling In-person, phone, or online counseling available

Provides no cost foreclosure prevention counseling services to help homeowners with foreclosures in Wright county. Counselors assist homeowners with understanding their current mortgage, developing a budget, analyzing the homeowner's financial situation and educating borrowers about options that are available to them. WCCA counselors will also educate homeowners about the foreclosure process and loss mitigation options designed to prevent foreclosure. Where appropriate, WCCA will assist homeowners with applying for a loan modification based on their options and and current situation. A loan modification may alter the terms of a mortgage to make it affordable for the homeowner under current economic conditions. Counselors also provide information on services, resources and programs available in Wright County that may address related household needs.

Financial Education - Budgeting and savings - Building and managing credit - Consumer protection - Debt reduction - Rental topics - Reverse mortgage basics - Scam and Fraud prevention Financial Management - Assessment and budget assistance - Financial goal setting - Help with creditors Healthcare Application Assistance - MNSure navigation - Minnesota Insulin Safety Net Program Housing Counseling - Foreclosure prevention counseling - Reverse mortgage counseling

Legal advice and representation with housing issues related to eviction, mortgage foreclosure, poor housing conditions, Section 8, accessibility issues for disabled individuals, or discrimination.