Homebuyer Services Report Prepared by Karen Duggleby, MSW, LISW Minnesota Homeownership Center
Acknowledgements The Minnesota Homeownership Center is profoundly grateful for the dedicated professionals working within its Homeownership Advisors Network. The many positive results identified in this report would not have been possible without their hard work, patience, and compassion for serving families looking to purchase a home. Homebuyer Services Report
Table of Contents Report Highlights ) Introduction & Background ) Homebuyer Education HomeStretch Graduates Characteristics Profile HomeStretch Graduates by County Map, - Framework Graduates Characteristics Profile Framework Graduates by County Map, - ) Homebuyer Counseling Participant Characteristics Profile Participants by County Map, - ) Homebuyer Education Satisfaction Survey Post Workshop Survey Summary Three-Month Follow-up Workshop Survey Summary Appendix A List of Providers by Locale/Region 6 7 8 5 6 7 8 The content of this report is, Minnesota Homeownership Center. Reproduction of part or all its contents in any form is prohibited without the written consent of the Minnesota Homeownership Center.
The Home Stretch course was very informative, gave me a lot to think about and what I need to do to be ready to buy my first home. Home Stretch Participant Homebuyer Services Report Highlights This report provides a summary of the Homebuyer Services programs supported by the Minnesota Homeownership Center during the program year October, through September,. Reached Milestone Number of Households Served Homebuyer Education 6, households served,97 Home Stretch households,57 Framework households 7% increase over prior year Homebuyer Counseling,555 households served % increase over prior year Since 56,6 homebuyer education graduates 8,85 homebuyer counseling participants Framework New Online Homebuyer Education Course Launches and Reaches New Audience Millennial Median Income st Time Homebuyer Ages 8- Framework 6% $5, 97% Home Stretch 9% $,6 78% Satisfaction with Programs Remains Strong 96% felt they learned what they expected or more would recommend Home Stretch 96% 97% of survey respondents were satisfied with counseling Homebuyer Services Report Highlights
Introduction & Background The Center The Minnesota Homeownership Center (the Center) brings two decades of experience in supporting the delivery of homebuyer education and counseling services in Minnesota. Whether they are homeowners experiencing financial trouble or would-be first-time homebuyers apprehensive about taking the next step the Center is working to reach people early. For first-time homebuyers, a solid base of pre-purchase counseling and education will help ensure that they are able not only to buy, but also to keep, their homes. Making lemonade out of lemons: The housing crisis points to need for informed homebuyers, spurs interest in homeownership education The foreclosure crisis has highlighted the importance of understanding the home buying process and the responsibilities that come when consumers sign for a mortgage loan. Moving forward, consumers may view the concept of homeownership in a different way, yet the value of homeownership is still strong among American households. In a recent survey commissioned by Coldwell Banker, the vast majority of respondents felt that owning a home is still part of the American dream. Not surprisingly, sustainable homeownership is gaining prominence. Among survey respondents, 86% agreed that they are more closely evaluating how much home they can truly afford now when compared to before the recession. Future homeowners will come to homeownership both aware of the benefits and wary of the risks. At the same time, many families who have struggled during the recession will need assistance to get back on track. Families with one or more financial barriers such as high consumer and student loan debt, poor credit scores and little or no savings will need longerterm pre-purchase support that includes developing financial literacy skills, credit counseling and then access to down payment assistance and affordable loan products. A study by the Center for Housing Policy suggests that homeownership education may have a strong effect on boosting credit scores and savings levels, thereby increasing their purchasing power. In this study, consumers with credit scores over 65 were able to elevate their credit scores by more than points. Those with credit scores under 65 achieved even greater gains after taking part in homebuyer education and counseling. At the same time, these households experienced an increase in household savings and a decrease in household debt. Homeownership education will help the next generation of homeowners understand when they are ready for homeownership. It will help homebuyers by arming them with the knowledge and skills needed to enter homeownership confident and prepared. In the wake of the foreclosure crisis, there is a growing recognition of the need for homeownership education. Yet to achieve the scale needed to serve future homebuyers and to ensure we are reaching the optimum number of homebuyers, we need to change the way in which we deliver this information. Homeownership education has historically been provided through Homebuyer Services Report
day-long workshops and one-on-one advising. This method, however, is a one-size-fits-all model that is insufficient in addressing the learning styles of today s generation, the needs of families who have difficulty accessing information due to challenging schedules, childcare difficulties or location (people living in rural communities face significant barriers). Classroom scheduling can be difficult for many homebuyers, and many homebuyers have expressed interest in an e- learning option for homeownership education. The Center is seeking to improve access to high-quality homeownership education that blends technology with best practices in adult learning through a new program called Framework. To this end, the Center added Framework, a new online program, to its homebuyer services program. For several years the Homeownership Center has anticipated that the foreclosure crisis would eventually diminish and we have continued to emphasize the importance of homebuyer services during the foreclosure crisis. In fact, the Center has established a vision of institutionalizing homebuyer services in the home buying process. Imagine the state of homeownership in Minnesota had every homebuyer in the last decade participated in objective education that helped them understand the lending options, finances, and responsibilities of owning a home? Mission - The Minnesota Homeownership Center s mission is to promote and advance successful homeownership in Minnesota, with a focus on serving the needs of low- and moderate-income families and emerging markets. At the core of this mission is the belief that lower income households can achieve and recognize the benefits of long-term homeownership if they enter homeownership through the right door prepared to make wise, informed decisions for their families. History - The Minnesota Homeownership Center is a nonprofit organization dedicated to helping lowand moderate-income Minnesotans purchase and maintain their homes. The Center, founded in 99 by mortgage industry stakeholders concerned with affordable, sustainable homeownership, has grown to become a statewide organization with a strong record of accomplishment in supporting primarily economically disadvantaged and underserved households to access and sustain homeownership. Homeownership Advisors Network - The Minnesota Homeownership Center provides support and leadership of the Homeownership Advisors Network, a member-based network of organizations committed to providing high-quality, professional services to homebuyers and homeowners in Minnesota. The Homeownership Advisors Network is comprised of more than community-based non-profit, government, tribal and for-profit organizations that deliver homebuyer education and counseling, post purchase education and counseling, reverse mortgage counseling and foreclosure counseling. Agencies in the network are dedicated to providing high-quality, effective services to consumers with the ultimate goal of empowering Minnesotans to be successful homeowners. Homebuyer Education Home Stretch Home Stretch is the Center s proprietary homebuyer education and counseling program. Homebuyer education provides general information to prepare potential homebuyers in a group setting for the responsibilities of homeownership. Home Stretch workshops are a minimum of 8 hours and cover the following topics; How to prepare financially for homeownership How credit affects becoming a homeowner Understanding mortgage programs and processes Shopping for a home The importance of having a home inspection The closing process Home maintenance responsibilities Predatory lending practices and avoiding foreclosure Participating in homebuyer education is a pre-requisite for many first-time homebuyer affordable loan products offered by Minnesota lenders. Education may also open doors to down payment and closing cost assistance offered by many communities throughout Minnesota. Homebuyer Services Report
Framework Framework was developed in partnership with the Center and the Housing Partnership Network, a national intermediary based in Boston, MA. Framework is an online interactive course and platform created to provide convenient, accredited, and cost effective homebuyer education to prepare homebuyers to be successful homeowners. With Framework, the Center seeks to engage and educate a broad and diverse base of potential homebuyers during the home buying process with the goal of promoting responsible and sustainable homeownership not just in Minnesota, but nationwide. Framework is modeled on Home Stretch. Proven best practices in adult learning from the e-learning community were used in the design of Framework, ensuring an engaging and interactive approach tailored to the Center s audience. Ultimately, the Center s goal with the implementation of Framework is to institutionalize homebuyer education in the homeownership process in an effort to maximize the potential for successful homeownership among all home buyers. Benefits of Framework include: Accessibility of information both while learners take the course and later. Better reach in rural communities, for households with disabilities, and for those with time and schedule constraints. Customized learning. Learners can expand on content, review challenging sections more than once, and learn at their own pace. Improved learner outcome tracking. A post-course exam to assess learner knowledge and performance--not a component of classroom training. The ability for the Center to engage a new customer market. In Minnesota, % of first-time homebuyers participate in Home Stretch classes. 8% of the market is untapped. Proceeds from Framework will be dedicated to other homeownership services enabling the Center to rely less on philanthropic dollars and achieve sustainability of programming. Homebuyer Counseling Home Stretch Homebuyer Counseling services are one-on-one services tailored to participants. Homeownership Advisors assist participants in creating an action plan to help them achieve their goal of homeownership. Advisors are available to meet in-person or by telephone. Services include: An assessment of the housing need (look at income, debt, credit, savings) Development of an action plan with short and long-term goals for helping achieve mortgage readiness and homeownership Discussing affordable mortgage, down payment and closing cost programs Preparing for closing Referrals to community resources Data Collection Throughout the program year participant data is collected by network members and online from Framework participants. Participants are asked to complete a standard intake form that includes basic demographic and financial questions. In addition, participants complete a satisfaction survey at the end of the Home Stretch workshop describing their experience with the program. The Center sends a three month follow-up survey to Home Stretch participants via email asking for feedback on the program (see pg ) and information on their home purchase. Network member agencies enter the participant data into a web-based case management system called CounselorMax. The Center has a view-only access to this data and uses the data to prepare this report, review trends, and suggest program improvements. Another critical benefit of Framework is its potential for sustaining homeownership services programming. The venture s current business plan anticipates achieving sustainability in the next couple of years. Homebuyer Services Report 5
Homebuyer Education Home Stretch Since the Center began reporting Home Stretch results in, there have been 5,589 Home Stretch graduates and 5, workshops held. Home Stretch is the Center s proprietary homebuyer education program. Home Stretch provides information designed to prepare potential homebuyers for the responsibilities of homeownership. The program is provided in a group setting over 8 hours. Since the Center began reporting Home Stretch results in, there have been 5,589 Home Stretch graduates and 5, workshops held. In -,,97 households completed Home Stretch and 5 workshops were held across Minnesota. While the number of households completing Home Stretch decreased from the prior year (-8%), the number of households completing homebuyer education increased overall and reached a new high. In, the Center launched Framework, an online homebuyer education course with,57 households completing the course in Minnesota. Together the two programs reached 6, households, a 7% increase over the prior year and reaching a new all-time high. Figure Home Stretch Graduates by Year Figure Workshops Held 8 6 69 667 7 58 878 978 555 5796 598 97 6 5 6 5 89 86 58 5 5 5 95 5 Homebuyer Services Report 6
Home Stretch Graduate Characteristics Profile Age 78% st Time Homebuyer 8% st Generation Homebuyer 9% Median Age Generation Y/ Millennial (Ages 8-) % Bachelor s Degree or higher $75 Median Monthly Rent 6% Single households % Married households 6% Female (of those who are single) % Male (of those who are single) % Single parent families % Race % Unknown American Indian 75% Multiple Races Hispanic 5% Asian Black White 5% 6% Graduates of Color Homebuyer Services Report 7
Homebuyer Education Home Stretch Graduates by County, - Kittson Roseau Lake of the Woods Marshall Pennington Beltrami 9 Red Lake Polk Clearwater 7 Norman Mahnomen Hubbard 8 Clay Becker 68 Cass 6 Koochiching 7 Itasca 79 St. Louis Lake 8 Cook Aitkin Wadena Carlton Crow Wing 7 Wilkin 6 Otter Tail 8 Todd Pine 6 Grant Morrison Douglas Mille Lacs 8 6 9 Kanabec Traverse Benton Stevens Pope Stearns 5 Isanti Big Stone 8 Sherburne Chisago 9 Swift Anoka 8 Kandiyohi Meeker Wright 5 7 Washington Chippewa Hennepin 89 5 Lac Qui Parle 5 Ramsey McLeod Carver 9 Yellow Medicine Renville 8 Scott 8 5 Dakota Sibley Lincoln Lyon Redwood 9 5 Nicollet 6 Goodhue Rice Le Sueur 6 Wabasha Brown 7 Pipestone Blue Earth Murray Cottonwood Watonwan Waseca Steele Dodge 6 6 Olmsted 6 Winona Figure Homebuyer Education - Home Stretch Graduates by Region, - Metro (7-County),55 Northwest Northeast 9 Central West Central* 56 Southwest Southeast Outside MN 5 Total,97 *Total includes North Dakota county of Cass. Rock Nobles 5 Jackson Martin Faribault Freeborn Mower Fillmore Houston Number of Participants -5 6- -5 5-,,+ Homebuyer Services Report 8
Reaching Emerging Markets Homeowners The Center and members of the Homeownership Advisors network work together to support and increase homeownership opportunities for emerging and underserved markets. In -, % of the workshops held were targeted towards emerging markets. Home Stretch workshops are available in Hmong, Somali, Karen and Spanish. Pathways Home, a Native American tailored curriculum is also used in combination with Home Stretch. If needed, interpreter services are available to participants. Figure Workshops Reaching Emerging Markets 8-9 9- - - - African American n/a 58 Hmong 6 Karen n/a n/a n/a n/a Native American 5 9 9 Spanish 9 9 Totals 8 65 Graduate Income The Area Median Income (AMI) is based on HUD estimates of median family income, with adjustments for family size and county of residence. Low-income families are defined as families with incomes that do not exceed 8% of area median income. Very low-income families are defined as those with incomes that do not exceed 5% of area median income. The majority (79%) of education participants had low-incomes. Nearly half (7%) of those served had incomes in the very low-income range. According to the US Census Bureau Quick Facts, the median household income for Minnesotans is $58, 76. The median annual income for education participants was $,6. Figure 5 Education Graduate by Percent of Area Median Income (AMI) Percent AMI - - -5% 7% 7% 5-6% 6% % 6-8% 8% 8% 8-% 7% 8% %+ 5% 6% Missing Income 6% 7% Homebuyer Services Report 9
Graduate Race In -, there were slight changes in the race of participants. Participants of color accounted for 5% of all homebuyer education graduates, up from % the prior year. Figure 6 Education Graduate by Race MN - - Population American Indian % % % Asian 8% 8.5% % Black % 5% 5% Hispanic 5% 6% 5% Multiple Race %.6% % White 66% 6% 8% UnKnown % % -- Referral Source For homebuyer education the leading referral source is the bank/lender (%). This is likely because many loan programs require borrowers to attend a homebuyer education workshop. Homebuyer education also opens doors to down payment and closing cost assistance offered by many communities throughout Minnesota. Figure 7 Education Graduate Referral Source Bank/Lender 7% Word of mouth Web Provider 6% 5% 8% Realtor Former Participant Print Media % % 8% % % % % % 5% Homebuyer Services Report
Home Purchases Home Purchase information is collected during the homebuyer education course and through follow-up processes conducted after the course and/or counseling. During the year,,6 households were known to purchase a home (5%). We believe the actual number of those known to purchase is higher than reported, 56% reported they were required to attend homebuyer education. Many first time homebuyer loans often list attending a homebuyer education course as a loan requirement. Also, a number of households are still receiving counseling and their outcomes are unknown at this time.,6 (5%) known homes purchased.6 average interest rate $5,6 median purchase price The course was great, wish I had taken it sooner. More Realtors should recommend this! Home Stretch Participant Homebuyer Services Report
Framework In,,57 households completed Framework in Minnesota. Framework is based on the Center s Home Stretch classroom curriculum. It offers homebuyer education in a 9-module format, with virtual industry professionals guiding the homebuyer through the home buying experience. The course was designed based on best practices for online adult learning with ample user interaction and opportunities for customizing the learning experience. The graphic novel theme is designed to appeal to a diverse audience. Learners pay a fee to take the course. A certificate of completion is produced for those consumers who pass the final test within three tries with a score of 8% or better. Those who don t pass the test must speak with a homeownership advisor to review the course before being issued a certificate. Framework meets all National Industry Standards for homebuyer education. HUD recognizes the Internet as an acceptable mode of delivering homebuyer education. The production and release of a Spanish version is set to launch in early. In,,57 households completed Framework in Minnesota. The majority of participants came from the metro area, 66% and % from Greater Minnesota. Graduate Race The majority of households completed Framework during - were white households (8%). Households of color accounted for % of Framework graduates. Figure 8: Framework Minnesota Graduates Race White 8% Asian 5% or More Races % Black % American Indian.5% % 5% 5% 75% % Homebuyer Services Report
Referral Source The leading referral source for Framework is the bank/lender (6%). This is likely because many loan programs require borrowers to obtain homebuyer education. Several lending partners are accepting Framework including; Minnesota Housing, Wells Fargo, Bremer, Greater Minnesota Housing Fund, Bank of America and the Federal Home Loan Bank of Des Moines. Figure 9: Framework Minnesota Referral Sources Lender 6% Real Estate Professional % Web (Internet Search, YouTube) Non Profit Organization Other Family or Friend Advertisement (TV, Radio, Newspaper) % % % % % Unknown 7% % 5% 5% 75% Wells Fargo accepts Framework for situations where an in-person session is not available.
Framework Graduate Characteristics Profile Age 97% st Time Homebuyer 9% st Generation Homebuyer 9 6% Median Age Generation Y/ Millennial (Ages 8-) % Bachelor s Degree or higher $5, Median Annual Income 69% Single households % Married households 5% Female (of those who are single) 6% Male (of those who are single) % 75% 5% Race Other Black + Races Asian White 7% Single parent families 5% % % Graduates of Color Homebuyer Services Report
Homebuyer Education Framework Graduates by County, - Kittson Marshall Roseau Lake of the Woods Pennington Red Lake Beltrami 6 Polk Clearwater Norman Mahnomen Hubbard Clay Becker Cass Koochiching Itasca St. Louis Lake Cook Wadena Aitkin Carlton 5 7 Crow Wing Wilkin Otter Tail 7 Pine Todd Morrison Kanabec Grant Douglas 7 Mille Lacs Traverse Benton Stevens Pope Stearns 8 Isanti Big Stone Sherburne Chisago 6 7 Swift Anoka Wright 6 Kandiyohi Meeker Chippewa 6 Hennepin Washington Lac Qui Parle Ramsey 78 McLeod Carver Yellow Medicine Renville 5 Scott 9 95 Dakota Sibley Lincoln Lyon Redwood 6 6 Nicollet Le Sueur Rice Goodhue 6 5 Wabasha Brown 8 Figure Homebuyer Education - Framework Graduates by Region, - Metro (7-County),5 Northwest 6 Northeast Central 6 West Central 7 Southwest Southeast 8 Total,57 Pipestone Murray Cottonwood Watonwan Blue Earth Waseca Steele Dodge 5 Olmsted Winona Rock Nobles Jackson Martin Faribault Freeborn Mower 7 Fillmore Houston Number of Participants - -5 6- -5 5+ Homebuyer Services Report 5
Homebuyer Counseling In -, the network saw a % increase in the total number of households receiving homebuyer counseling services from the previous year (,555). Homebuyer counseling is confidential, one-on-one assistance to discuss a participant s current financial situation, review a budget and credit use and develop the best possible strategy to achieve homeownership. In -, the network saw a % increase in the total number of households receiving homebuyer counseling services from the previous year (,555). More emphasis has been placed on offering homebuyer counseling services in with the launch of Framework. Figure Homebuyer Counseling Participants by Year 5 5 56 585 598 5 5 96 67 5 555 5 Homebuyer Services Report 6
Counseling Participant Characteristics Profile Nearly in are st Time Homebuyer in 6 are st Generation Homebuyer Median Age $75 Median Monthly Rent 6% Single households % Married households 66% Female (of those who are single) % Male (of those who are single) % Bachelor s Degree or higher % Single parent families % Participants of Color Homebuyer Services Report 7
Homebuyer Counseling Participants by County, - Kittson Roseau Lake of the Woods Marshall Pennington Red Lake Beltrami 6 Polk Clearwater 6 Norman Mahnomen Hubbard Clay Becker Cass Koochiching 5 Itasca 78 St. Louis Lake Cook Wilkin Traverse Big Stone Grant 8 Stevens Otter Tail Swift Chippewa Lac Qui Parle Yellow Medicine Lincoln Pipestone Lyon 8 Murray 6 Douglas Redwood Todd Pope Stearns Renville Cottonwood Wadena Kandiyohi 8 Brown Crow Wing Aitkin 5 Carlton Pine Morrison Mille Lacs Kanabec Benton Isanti Sherburne Chisago Anoka Wright 8 Meeker Hennepin 7 Washington 7 Ramsey 8 McLeod Carver 7 Scott 7 8 Dakota Sibley Nicollet 9 Le Sueur Rice Goodhue 9 Watonwan Blue Earth Waseca Steele Dodge Wabasha 6 Olmsted 8 Winona Figure Homebuyer Counseling Participants by Region, - Metro (7-County),67 Northwest 6 Northeast 8 Central 5 West Central 7 Southwest Southeast 65 Outside MN 6 Total,555 Rock Nobles 6 Jackson Martin Faribault Freeborn Mower Fillmore Houston Number of Participants - -5 5- -5 5+ Homebuyer Services Report 8
Participant Income The Area Median Income (AMI) is based on HUD estimates of median family income, with adjustments for family size and county of residence. Low-income families are defined as families with incomes that do not exceed 8% of area median income. Very low-income families are defined as those with incomes that do not exceed 5% of area median income. In -, the majority (8%) of counseling participants had low-incomes. Nearly half (5%) of those served had incomes in the very low-income range. According to the US Census Bureau Quick Facts, the median household income for Minnesotans is $58, 76. The median annual income for education participants was $6,. Figure Counseling Participant by Percent of Area Median Income (AMI) Percent AMI - - -5% 5% 5% 5-6% % % 6-8% 9% % 8-% 8% % %+ 7% 8% Missing Income % % Participant Race Nearly half (%) of counseling participants were households of color. Figure Counseling Participant by Race White 57% Black % Hispanic Asian American Indian or more races 5% % % % % 5% 5% 75% % Homebuyer Services Report 9
Referral Source The two main referral sources for homebuyer counseling are Word of Mouth (8%) and Providers (%). Many participants learn about the availability of counseling from the provider when they inquire about their services. The counseling program is also discussed during the homebuyer education workshop, where most participants are offered a list of available times to schedule a one-on-one session. Many counseling participants look forward to the opportunity to review their credit report and learn more about down payment and closing cost assistance programs. Figure 5 Counseling Participant Referral Source Word of Mouth Provider Agency Lift Web Bank Lender Former Participant Realtor Print Unknown Other Agency Radio % % 9% % % % % % % 8% % % % % % % 5%
Homebuyer Education Satisfaction Survey About the Surveys The Home Stretch workshop is studied on an on-going basis to help better understand the effectiveness of the program. Two surveys are used to evaluate the workshop; a post-workshop survey and a month follow-up survey. All Home Stretch participants are asked to complete the post-workshop survey at the close of the workshop, but completion is voluntary. During -, 7% of all Home Stretch graduates completed the post-workshop survey. The three-month follow-up Home Stretch workshop survey uses a web-based survey tool. The web-based survey is sent to all Home Stretch graduates who provided an email address at intake. The survey includes an incentive to participate, a monthly drawing for $5 gift card. During -,,89 emails were sent,, delivered, and 65 responses received. This year we saw a decrease in the percent of participants completing the survey over the prior year. Challenges with no email address, incorrect or invalid email addresses and spam account for a portion of the decrease in response rate. Similar data is captured from Framework participants. That information will be available in. Wonderful program, I would recommend to first time homebuyers to take the course even before starting to shop for a home. Home Stretch Participant Homebuyer Services Report
Understanding/Learning Post Workshop Survey Summary Participant Satisfaction Survey Response Rate: 7% 96% would recommend Home Stretch to someone else 96% 9% learned at least the amount they expected very knowledgeable about the home buying post workshop 97% workshop will help when buying a home Length of the workshop % 75% 5% 5% % The right length Too long Too short No response Travel/Location 7% traveled 5 miles or less to the workshop 6% chose location best for schedule % chose location closest to home Participant Understanding Before and After Workshop Attendance Before After % 75% Voluntary % 56% Required 5% 5% % Preparing Finances Credit Comparing Loans Purchase Agreement Home Inspection Preparing for Closing Home Maintanence Homebuyer Services Report
Three Month Follow-up Workshop Survey Summary Survey Response Rate: % 95% Home Stretch helped with steps towards purchasing a home 7% met with a Homeownership Advisor 96% reported being satisfied with Homeownership Advisor s services Participant understanding, months after the workshop From Excellent to Poor, please rate your understanding of each topic: Excellent Good Fair Poor The importance of having a home inspection How your credit history affects becoming a homeowner How to prepare financially for homeownership Home maintenance responsibilities How to prepare for closing The purchase agreement Part of Home Stretch that was the most helpful How to compare mortgage loans % 5% % Steps in the home buying process What s involved in a home Inspection Mortgage loan process How credit affects the cost of home ownership 5% 8% 7% % % % % % % 5% 6% Homebuyer Services Report
Appendix List of Providers Homeownership Advisors Network Homebuyer Counseling & Education Providers - st Home Network, Inc African Development Center African Economic Development Solutions African Families Development Network Anoka County Community Action Program American Indian Community Development Agency Arrowhead Economic Opportunity Agency Carver County Community Development Agency Central Minnesota Housing Partnership Community Action Duluth Community Neighborhood Housing Partnership Community Action Partnership of Suburban Hennepin Dakota County Community Development Agency Family Life Credit Services Headwaters Regional Development Commission Hmong American Partnership Kootasca Community Action, Inc Mankato Economic Development Agency Midwest Minnesota Community Development Corporation Model Cities Neighborhood Development Alliance Minneapolis Neighborhood Housing Services Northwest Community Action One Roof Community Housing PRG, Inc. Rochester/Olmstead Community Housing Partnership RW Media Scott County Community Development Network Southwest Minnesota Housing Partnership Strickland and Associates Three Rivers Community Action, Inc The Village Family Service Center Washington County Housing and Redevelopment Authority West Central Minnesota Communities Action Wright County Community Action Agency Appendix Homebuyer Services Report