Homebuyer Counseling: Provides free, HUD Housing Counselors to help clients understand how to be responsible homeowners, determine homebuyer readiness by reviewing finances, checking credit reports, and creating a budget Home Stretch Workshops: Provides certified instructor led workshops that guide potential homebuyers to help determine readiness, make a plan to get there, and prepare for homeownership

HUD certified housing counselors provide assistance with navigating the rental process, information regarding legal protections, and advocacy. Counselors also help renters develop household budgets, determine financial assistance eligibility, apply for assistance, and identify an affordable place to rent. Provides free renter's rights and responsibilities workshops that address how fair housing laws protect renters, how affordable housing is calculated, the importance of insurance, and more. Workshops are hosted by a HUD-Certified Housing Counselor.

HUD certified housing counselors provide assistance with navigating the rental process, information regarding legal protections, and advocacy. Counselors also help renters develop household budgets, determine financial assistance eligibility, apply for assistance, and identify an affordable place to rent. Provides free renter's rights and responsibilities workshops that address how fair housing laws protect renters, how affordable housing is calculated, the importance of insurance, and more. Workshops are hosted by a HUD-Certified Housing Counselor.

Financial counseling program components: - Debt Management Plan for debt consolidation and restructuring - Debt repayment strategies and options - Budgeting and cash flow assessment - Credit report reviews - Reverse mortgage counseling and certificate - HUD approved mortgage delinquency and foreclosure prevention counseling Guidance on addressing and resolving financial issues: - Credit card delinquency - Credit reporting - Garnishments - Collection accounts and judgments - Defaulted student loans - Money and Credit Management Workshops available to employer and community groups

Homebuyer Counseling: Provides free, HUD Housing Counselors to help clients understand how to be responsible homeowners, determine homebuyer readiness by reviewing finances, checking credit reports, and creating a budget Home Stretch Workshops: Provides certified instructor led workshops that guide potential homebuyers to help determine readiness, make a plan to get there, and prepare for homeownership

HUD certified housing counselors provide assistance with navigating the rental process, information regarding legal protections, and advocacy. Counselors also help renters develop household budgets, determine financial assistance eligibility, apply for assistance, and identify an affordable place to rent. Provides free renter's rights and responsibilities workshops that address how fair housing laws protect renters, how affordable housing is calculated, the importance of insurance, and more. Workshops are hosted by a HUD-Certified Housing Counselor.

Foreclosure counseling is available statewide for all homeowners who are struggling to make their mortgage payments. NeDA is a HUD Certified Counseling Agency.

Provides housing assistance for eligible people including homeless and near-homeless people through a variety of programs: - Emergency Shelter Clearinghouse: For emergency shelter, assistance to prevent eviction, and information on community housing resources and referrals. People seeking temporary care for their pets must already be enrolled in a housing support program through Dakota County Supportive Housing Unit to see if their pet can be sheltered by referral. - Housing Related Coordinated Entry: Provides housing intake and assessment for single adults and families who are homeless or at risk of losing their housing - Housing and Urban Development (HUD) Transitional Housing and Supportive Housing Program: Advocacy and case management for eligible homeless families with minor children and pregnant individuals. Some participants of the program may qualify for a maximum of 24 months of transitional housing rental subsidy.

HUD sponsors housing counseling agencies that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Website locator listing for the state of Minnesota.

- Financial Counseling for residents of the seven county metro area, primarily Spanish speaking families - Financial literacy workshops for residents of the seven county metro area available in Spanish and English - Housing development for St. Paul's west side - MHFA home improvement loans to residents of seven county metro area - Homebuyer education workshops (HomeStretch) are offered in Spanish and English. This nine hour workshops walks you through the homeownership process. Topics include, savings, credit, affordability

Homebuyer Counseling: Provides free, HUD Housing Counselors to help clients understand how to be responsible homeowners, determine homebuyer readiness by reviewing finances, checking credit reports, and creating a budget Home Stretch Workshops: Provides certified instructor led workshops that guide potential homebuyers to help determine readiness, make a plan to get there, and prepare for homeownership

- Prevention of Homelessness: HUD certified counselors will work with individuals to analyze their situation, including needs and barriers to finding and keeping accommodations. Individuals are then connected to resources that can help to resolve issues; resources offered by MUL and partner agencies in the community. - Housing Discrimination Workshop: workshop covering fair lending practices, lending scams, and rental discrimination. Qualifying clients will have access to free legal consultation through the Legal Aid Society of Minneapolis and the Volunteer Lawyers Network. One-on-one counseling is also available by appointment. - Realizing the American Dream: A homebuyer education course offering an interactive curriculum on all aspects of purchasing a home. Offers non-biased, third party advice and access to multi-faceted resources. The curriculum covers topics including: are you ready to buy a home, managing your money, obtaining a mortgage loan, shopping for a home, and protecting your investment. Upon completion of the course, each participant is assigned to a HUD approved housing counselor who works with participants one-on-one to create an individual road map to home ownership.