Need A Road Map To Home-Ownership? Let KOOTASCA Help Navigate.

Housing Counseling

Our accredited housing counselors offer FREE one-on-one service to assist you with your road map to home-ownership.

Topics covered:

• Objectives and needs
• Build a household budget
• Barriers
• Available resources (lending, real estate, home inspectors and financial counseling)
• Develop an action plan

For the Counseling Application Form CLICK HERE

For more information or to request a paper application please contact:
Sandy O’Fallon
218-999-0828
[email protected]

Helpful Resources:
Homebuyer Program brochure
Renovate Right: Important Lead Brochure
For your Protection; Get a Home Inspection
Ten Important Questions to Ask Your Home Inspector

Click HUD icon below for access

Homebuyer Education

Homebuyer Education provides the tools to move forward in achieving successful home-ownership.  Home Stretch (classroom style/virtual) workshops taught by experienced local professionals.

Workshop Topics Include:

• Affordability/Budgeting/Credit
• Qualifying for a mortgage
• Shopping for a home/Realtor services
• Home Inspection
• Homeowners Insurance
• Closing on your home
• Maintaining your home for successful ownership

A nonrefundable fee of $40.00 per household is due prior to class.

KOOTASCA also offers access to National Online Framework® course.

To access the National Online Framework® course click here or on the logo below.

Financial Assistance

If you’re purchasing your home in Itasca or Koochiching County by completing homebuyer education and individual counseling you may also qualify for down payment & Closing Costs Assistance through KOOTASCA. Qualification is determined in the counseling session.

• Buyer(s) must complete 1-on-1 counseling to qualify for assistance BEFORE Purchase agreement is signed.
• Buyer(s) must complete the Homestretch or Framework education.
• Buyer(s) must qualify for a mortgage.
• Buyer(s) must be a first-time homebuyer (or not owned a home in the last 3 years).
• The home purchased must pass the minimum Housing Quality Standards Inspection.
• Buyer(s) are required to pay a minimum of $1,000.00 towards the purchase of property.
• Household income must be below 80% below the County median income.

For more information or to request a paper application please contact:
Sandy O’Fallon
218-999-0828
[email protected]

This website is supported by Grant Number 6283  St. Louis County, a political subdivision of the state of Minnesota on Behalf of the Northeast Minnesota Home Consortium. Neither St. Louis County Administration nor any of its components operate, control, are responsible for, or necessarily endorse this website (including, without limitation, its content, technical infrastructure, and policies, and any services or tools provided). The opinions, findings, conclusions, and recommendations expressed are those of the author(s) and do not necessarily reflect the views of the Northeast Minnesota Home Consortium.

This website is supported by Grant Number 6344 from the Minnesota Housing Finance Agency, Neither Minnesota Housing Finance Agency nor any of its components operate, control, are responsible for, or necessarily endorse this website (including, without limitation, its content, technical infrastructure, and policies, and any services or tools provided). The opinions, findings, conclusions, and recommendations expressed are those of the author(s) and do not necessarily reflect the views of the Minnesota Housing Finance Agency.

This website is supported by Grant Number 6433 from the United States Department of Housing and Urban Development, department of the Housing Counseling Program, within funded through the U.S. Department of Housing and Urban Development. Neither the US Department of Housing and Urban Development, Department of the Housing Counseling Program nor any of its components operate, control, are responsible for, or necessarily endorse this website (including, without limitation, its content, technical infrastructure, and policies, and any services or tools provided). The opinions, findings, conclusions, and recommendations expressed are those of the author(s) and do not necessarily reflect the views of the United States Department of Housing and Urban Development, and the [Housing Counseling Program.