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Minnesota Urban and Rural Homestead Program (MURL) is a first-time homebuyer program for low- to moderate-income families who are unable to purchase a home through conventional means. Eligible families must be considered "at risk" for home ownership. Barriers such as past credit problems, lack of a down payment, and low wages are all factors that limit a household's ability to own a home and would be considered "risk factors" for home ownership.

The Affordable Housing Program partners with the Minnesota Department of Corrections, Greater Minnesota Housing Fund, Minnesota Housing Finance Agency and other agencies to create quality affordable housing in West Central Minnesota for families. A variety of floor plans are available depending on family needs. Homes can be modified for handicapped accessibility upon request. Homes are built by a 30-year veteran carpenter, minimum security inmates and local subcontractors. Homes are high quality, durable, energy efficient and require minimal maintenance. Homes are inspected by a state licensed building inspector to ensure codes are met and/or surpassed.

Program that helps you find local housing options. The program may guide you on how to choose and obtain a place that meets your needs. MORE INFORMATION Helps new Americans in finding and sustaining affordable housing.

Home ownership program that offers financial assistance to make home purchases more affordable for those that meet eligibility requirements MORE INFORMATION The Homeownership Program is designed to promote and encourage homeownership by providing down payment and closing cost loans to income-eligible, qualified buyers. * Provides Homestretch Workshops teach a buyer the steps involved in purchasing a home. * Provides one-on-one counseling focusing on affordability, types of mortgages, budgeting and savings. This service is available to anyone * Down payment and closing cost assistance for qualified buyers

Home ownership program that offers financial assistance to make home purchases more affordable for those that meet eligibility requirements MORE INFORMATION Through the Community Land Trust, an affordable housing model, First Homes is able to sell homes to income-qualified buyers at a lower cost and protect that affordability for future buyers.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Help people who want to buy a home get ready to qualify for a mortgage by improving credit scores, budgeting, and connecting to down payment resources. Homebuyer credit readiness coaches can help with making plans for: * Improving your credit score * Creating and sticking with a budget * Growing a savings account * Paying down debt.

Financial management counselors take a look at your personal finance information and help to create a plan to pay off debt, keep on top of bills or provide retirement planning information. MORE INFORMATION Help people who want to buy a home get ready to qualify for a mortgage by improving credit scores, budgeting, and connecting to down payment resources. Homebuyer credit readiness coaches can help with making plans for: * Improving your credit score * Creating and sticking with a budget * Growing a savings account * Paying down debt.

Home Stretch is a proven program that helps prepare homebuyers for successful homeownership. Workshop topics include: * Steps to becoming a homeowner * How to prepare financially for homeownership * What you can afford to pay for a home * Importance of credit and how it impacts homeownership * How to choose the right mortgage loan and get approved * Ways to shop for a home * What to do when you are ready to make an offer on a home * Importance of having a home inspection * How to prepare for loan closing and closing procedures * Responsibilities of homeownership * How to avoid scams Some programs run by the Minnesota Housing Finance Agency may require completion of the Home Stretch workshop for help with: * Down payment * Closing costs A listing of Home Stretch workshops is available online. For those unable to meet workshop scheduling requirements, an online self-guided homebuyer education course called Framework is available.

The Affordable Housing Program partners with the Minnesota Department of Corrections, Greater Minnesota Housing Fund, Minnesota Housing Finance Agency and other agencies to create quality affordable housing in West Central Minnesota for families. A variety of floor plans are available depending on family needs. Homes can be modified for handicapped accessibility upon request. Homes are built by a 30-year veteran carpenter, minimum security inmates and local subcontractors. Homes are high quality, durable, energy efficient and require minimal maintenance. Homes are inspected by a state licensed building inspector to ensure codes are met and/or surpassed.

Offers housing resources for renters or homeowners Programs include: * First time homebuyer session * Homebuyer Education * Homeowner financial management session * Mortgage foreclosure prevention * Rental housing counseling and education