Need help buying a home?


Lutheran Social Services: Homeownership Capacity Program

The Homeownership Capacity Program provides intensive financial education and coaching services to individuals with the goal of homeownership. Clients work with a homeownership advisor to address barriers to homeownership, apply for a mortgage, and go through post-purchase education and coaching.


Minnesota Housing awarded LSS Financial Counseling a grant to serve 50 households looking to purchase a home in the following areas:

7 county metro: Anoka, Hennepin, Ramsey, Washington, Carver, Scott, Dakota County

Central MN counties: Cass, Crow Wing, Aitkin, Wadena, Todd, Morrison, Mille Lacs, Kanabec, Stearns, Benton, Sherburne, Kandiyohi, Meeker, Wright, Renville

Who we are looking to serve:

Low/Middle income households and households of color that are either living in or aspiring to become homeowners in the counties listed above.


October 1, 2017 – September 30, 2018.


Aspiring homeowners can call the LSS Financial Counseling scheduling line at 888-577- 2227 and ask for a homebuyer counseling appointment. Appointments can be done in person at one of our office locations or over the phone.

What happens at an appointment:

Our homeownership counseling provides households with one-on- one counseling and education to assist them in determining where they are in the home buying process, identifying potential barriers to homeownership, improving their credit, managing student loan repayment, and informing them about down payment assistance or other available programs and services to help them reach their goal.

Our locations:

We have offices in St. Paul, Minneapolis, Brainerd, and Willmar. We can also travel to the St. Cloud LSS office if the need arises.

Questions? If you have any questions feel free to contact either Sandi Kleist at 218-316- 3954 or, or Becky Pakarinen at 218-316- 3955 or