HOUSING FINANCIAL RESOURCES HUB
Looking for a place to call Home Sweet Home? LSS has educational courses and financial tools for individuals and families to be successful renters or homeowners.
LSS Financial Homeownership Workshops
Workshop: First Time Homebuyer
In this workshop, a certified housing counselor will work with you one-on-one to ensure you are in the best financial position to obtain a mortgage. A pre-purchase counsel will include a review of the following items:
- Your credit report
- Current mortgage products to meet your needs
- Individual budget and affordability considerations
- Additional counseling support, as needed, until savings or debt reduction goals are met
Please call 888-258-2227 to speak to a representative about scheduling options. First Time homebuyer and homebuyer education are available throughout our service areas. If you are interested in attending a Homebuyer Express workshop, please refer to the LSS calendar for upcoming meeting times.
Workshop: Homebuyer Express
Our Homebuyer Express program provides the information and resources available to successfully purchase and own a home. The program meets the SDHDA Homeownership Education Resource Organization (HERO) requirements and may qualify homebuyers for additional closing costs credits. Classes are free. Learn about:
- Personal money management
- Credit history review
- Mortgage financing and the loan process
- Shopping for a home
- Homeowner responsibilities
- Predatory lending awareness
Please refer to the LSS calendar for workshops convenient for you, or call 888-258-2227 to speak to a representative about scheduling options. Video conference is available. Participants must register at least 24 hours prior to the class.
Workshop: Mortgage Foreclosure Prevention
Mortgage Foreclosure Prevention workshops help address challenges that can impact financial stability. If the challenge causes delinquency on your mortgage, do not waste time. A certified housing counselor can try to work with you and your lender to negotiate loss mitigation and/or repayment options.
If foreclosure becomes a reality, the certified housing counselor will provide a comprehensive budget and transition counseling along with an action plan to summarize various options. Please call 888-258-2227 to speak to a representative or to schedule an appointment for this workshop.
Workshop: Homeowner Financial Management
Workshop: Rental Housing Counseling & Education
HELPFUL HOUSING RESOURCES E-TOOLS
Download the Monthly Budget Planner/Tracker to build a savings plan for each month. This worksheet will help you be more responsible with
spending money by doing the following:
- Plan out your budget.
- Track expenses.
- Track savings.
To see how much you can afford on a house, we recommend visiting NFCC's Resources for online calculators, downloadable apps, money management tips and more.