Provides multi and single family financing and development, including: Single family home ownership loans at low market rates to qualified first-time home buyers. Repeat home buyer loan program offers low interest, fixed rate mortgage loans and cash assistance Governors' House Program for income qualified individuals and families. Administers federal programs for development and management of multifamily housing, housing counseling, and homelessness services. Home buyer education Down payment assistance Home improvement loans i.e.. CHIP (Community Home Improvement Program) which is for low income homeowners (limit is 120% of median income) to make repairs or improvements to their home. Interest rate is 2.9%. Administers home-buyer education and other housing programs

Home Loans: - Provide 1st Mortgage loans to help eligible persons purchase a home. Loans are available for primary home purchases to eligible applicants meeting our underwriting criteria. These loans may be done in conjunction with a local lender. - Provide down payment and closing cost assistance. Funding can assist eligible homeowners with down payment and/or closing costs on the purchase of their primary residence. Other Housing Activities: - Governor's House Marketing Representative: The Governors House program provides reasonably sized, affordable homes to income-qualified individuals and families. This home is designed to provide ownership opportunities where income levels may have prevented previous homeownership. The simplified home design, in conjunction with the Governor's Inmate Training Program, keeps the cost of these homes affordable. - Provide counseling, outreach, budgeting and loan packaging to individuals who wish to purchase a home. - Provide loans to non-profit or private businesses for the development of housing and infrastructure.

Provides adequate, healthy, and affordable housing according to safety living standard and to create a suitable living environment to meet the needs of elderly, families, and individuals of SWO. Programs include: Homebuyers Program - Provides down payment financial assistance to enrolled Sisseton-Wahpeton Tribal members who are seeking to purchase a primary home. Contact office for application and criteria guidelines. Housing Authority - Provides decent, safe and sanitary housing for all Tribal members seeking to eradicate substandard housing and eliminate homelessness through provision of supportive services and financial assistance programs. - T Yamni Program - One-Stop Homeownership Program assists Tribal members with homeownership opportunities. Partners with SWO's Housing Authority and Homebuyer program: Assessment Site Selection Financial Credit Management Homeownership Education Financial Resource Options Default Counseling & Foreclosure Intervention

HAPI's purpose is to facilitate very low to moderate income households in securing and/or refurbishing good quality, affordable housing. Provides no-cost Home Buyer Education classes, closing cost assistance, home repair/rehabilitation grants, and builds a variety of houses in the moderate income price range.