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Minnesota HUD-Certified Housing Counseling Agencies Guide.
Minnesota's foreclosure process runs on a tighter legal clock than most homeowners realize. Lenders here can foreclose by advertisement — no court filing required — and once a sheriff's sale occurs, the redemption period is typically six months. The practical result is that early contact with a housing counselor, and a list of HUD certified agencies below, matters more here than in states where foreclosure moves through the courts over years.
The state also has one of the widest racial homeownership gaps in the country — an over 50 point spread between white and Black homeownership rates — which shapes both who is most at risk and which agencies have built specialized expertise around closing that divide. Several of the organizations below exist specifically to serve immigrant and refugee communities that larger general-purpose agencies often can't reach in culturally meaningful ways.
- NOTE: A homeowner can still reclaim the property within that 6 month foreclosure window by paying the full amount owed, but once it closes, the option is gone.
To locate an agency not listed here, the Minnesota Homeownership Center's statewide toll-free line — 866-462-6466 — connects to its full network of HUD-certified foreclosure prevention advisors. The website for the center is at https://www.hocmn.org/.
Statewide - Multiple Locations
- Lutheran Social Service of Minnesota
They have multiple offices in the state with both in person or phone consultations. The HUD agency provides support as part of LSS Financial Counseling. Phone 888-577-2227 and website for all locations is https://financialcounseling.lssmn.org/.
- 2400 Park Ave, Minneapolis, MN 55404. NFCC-certified financial counselors offering mortgage delinquency counseling, reverse mortgage counseling, and budget counseling in person, by phone, and virtually statewide. Spanish and Hmong speakers on staff.
- 2835 W Saint Germain St, Suite 550, Saint Cloud, MN 55301. Pre-purchase, mortgage delinquency, and financial management counseling serving the St. Cloud area in person and by phone.
- 710 South 2nd Street, Mankato, MN 56001. Pre-purchase, mortgage delinquency, and reverse mortgage counseling for south-central Minnesota.
- 716 E Street East, Brainerd Mall, Brainerd, MN 56401. Mortgage delinquency, reverse mortgage, and financial management counseling for the Brainerd Lakes region.
- 1601 Hwy 12 E, Suite 6, Willmar, MN 56201. Mortgage delinquency, reverse mortgage, and financial management counseling serving the Willmar and central lakes corridor.
- 424 W Superior St, Suite 600, Duluth, MN 55802. Full-service mortgage delinquency, reverse mortgage, pre-purchase, and financial management counseling in English and Spanish.
Twin Cities Metro — Minneapolis
- African Development Center of Minnesota
1931 S 5th Street, Minneapolis, MN 55454. Phone 612-333-4772. Website - https://www.adcminnesota.org/
Serves African immigrant and refugee communities with HUD counseling and homebuyer education in Amharic, Oromo, Somali, Swahili, and English. Home purchase success rates among their workshop participants run nearly three times the national average; workshops are offered statewide in partnership with local agencies.
- Build Wealth Minnesota
2121 Plymouth Ave N, Minneapolis, MN 55411. Phone: 612-877-4182. Website - https://bwealthe.org/.
HUD-certified agency focused on reducing the racial homeownership gap in north Minneapolis and the Twin Cities. Provides pre-purchase counseling, mortgage delinquency counseling, rental housing counseling, and predatory lending education in English and French.
- PRG, Inc.
2017 E 38th St, Minneapolis, MN 55407. Phone: 612-721-7556.
Provides pre-purchase and mortgage delinquency counseling in south Minneapolis.
- Project for Pride in Living
1035 E Franklin Ave, Minneapolis, MN 55404. Phone: 612-455-5100. Website: https://www.ppl-inc.org/.
Offers pre-purchase counseling and predatory lending education as part of a broader community development mission serving Minneapolis.
- Urban League Twin Cities
2100 Plymouth Ave N, Minneapolis, MN 55411. Phone: 612-302-3100. Website: https://ultcmn.org/
Provides pre-purchase counseling, financial management, rental housing counseling, and services for homeless households, with a particular focus on addressing racial disparities in homeownership access.
- NACA (Neighborhood Assistance Corporation of America) — Minneapolis
3260 County Road 10, Suite B, Brooklyn Center, MN 55429. Phone: 763-656-6222. Website - https://www.naca.com/
NACA's counseling model is paired with access to its own below-market mortgage product. Provides predatory lending education and mortgage delinquency counseling in English and Spanish.
Central Minnesota / St. Cloud Area
The St. Cloud metro's housing market is shaped largely by health care and manufacturing employment, drawing a steady mix of workers and first-generation buyers into a mid-sized market that lacks the deep agency network of the Twin Cities. Both Catholic Charities and LSS maintain offices here with the full range of counseling services.
- Catholic Charities Diocese of St. Cloud
157 Roosevelt Rd, Suite 200, Saint Cloud, MN 56301. Call 320-650-1664 or Toll-free: 800-830-8254
Provides financial management, mortgage delinquency, rental housing, and reverse mortgage counseling. One of the few central Minnesota agencies also offering services for homeless households.
South Central and Southeast Minnesota
Rochester anchors the southeast as an economic hub driven by the Mayo Clinic and a growing tech sector; Mankato anchors the south-central corridor. Both areas are served by dedicated regional organizations alongside LSS.
- Three Rivers Community Action
There are multiple locations. The main website is https://www.threeriverscap.org/
- 300 11th Ave NW, Suite 110, Rochester, MN 55901. Call 507-316-0610 or toll-free: 800-277-8418. Pre-purchase counseling in English, Spanish, and Swahili serving Rochester and southeast Minnesota.
- Three Rivers Community Action — Zumbrota is at 1414 Northstar Dr, Zumbrota, MN 55992. Phone: 507-226-6083. Pre-purchase counseling serving the Goodhue County and Cannon Falls corridor. Three Rivers lists both offices as separate service locations; contact either for regional referrals.
- Southwest Minnesota Housing Partnership — Mankato
140 Homestead Rd, Mankato, MN 56001. Phone 507-836-1605. Website: https://www.swmhp.org/
Full-service counseling: pre-purchase, mortgage delinquency, home improvement, financial management, and post-purchase workshops in English and Spanish. Serves the south-central Minnesota region.
Southwest Minnesota
Long drives between towns and a housing market tied to agricultural economics define the southwest. The Southwest Minnesota Housing Partnership is the only HUD-certified agency headquartered in this region and covers a wide geography.
- Southwest Minnesota Housing Partnership — Slayton
2401 Broadway Ave, Slayton, MN 56172. Phone 507-836-8673
Pre-purchase counseling, mortgage delinquency counseling, home improvement counseling, and post-purchase workshops across southwest Minnesota.
West Central Minnesota and Brainerd Lakes
- West Central Minnesota Communities Action
411 Industrial Park Blvd, Elbow Lake, MN 56531. Phone: 218-685-4486. Website: http://www.wcmca.org/
Mortgage delinquency and pre-purchase counseling serving Grant County and the surrounding west-central region.
- White Earth Investment Initiative
718 Washington Ave, Detroit Lakes, MN 56501. Phone 218-847-3191
Affiliated with the Oweesta Corporation native CDFI network. Provides homebuyer education, pre-purchase counseling, and financial management with a primary focus on White Earth Reservation residents and Native American communities across the northwest. Classes are offered in Detroit Lakes, Fergus Falls, Perham, Mahnomen, and other locations.
Duluth, Arrowhead, and Iron Range
Minnesota's northeastern corner has its own distinct pressures — Lake Superior port economics in Duluth, Iron Range communities managing long mining industry cycles, and a significant Native American population across the northern counties. Three agencies anchor this area, with LSS providing additional coverage across the range.
- Community Action Duluth
2424 W 5th St, Duluth, MN 55806. Phone 218-726-1665. Website: https://www.communityactionduluth.org/
Pre-purchase counseling and homebuyer education for Duluth and the surrounding area.
- One Roof Community Housing
12 E 4th St, Duluth, MN 55805. Phone 218-727-5372
Operates both a HUD-certified counseling program and a Community Land Trust with more than 375 permanently affordable homes across the Twin Ports region. Home improvement lending and down payment programs are integrated directly with their counseling services, making this one of the most comprehensive single-agency housing resources in northeastern Minnesota.
- KOOTASCA Community Action
201 NW 4th St, Suite 130, Grand Rapids, MN 55744. Phone 218-999-0800
Pre-purchase counseling and homebuyer education serving Itasca and Koochiching counties in the north-central region.
- Arrowhead Economic Opportunity Agency
702 S 3rd Ave, Virginia, MN 55792. Phone 218-749-2912 or toll-free: 800-662-5711. Website: https://www.aeoa.org/
Pre-purchase counseling and homebuyer education for the Iron Range, serving St. Louis, Lake, and Cook counties.
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