Contact
Primary: 218-735-6895
Alternate: 218-999-0828
AEOA offers a range of homeownership tools to help community members take their first steps toward owning a home.
Everyone is welcome to take our homebuyer education class for a fee, and all participants can receive free one‑on‑one housing counseling to help them understand the process and plan for success. The class and one‑on‑one counseling sessions can be taken in any order.
Community members who meet income and qualification guidelines may also be eligible for down payment and closing cost assistance after completing the required class and one‑on‑one counseling. One-on-one counseling must be completed before a purchase agreement can be signed.
Assistance towards down payment and closing costs for qualified buyers in Lake, Cook, and St. Louis Counties (excluding the City of Duluth). There is not an application for assistance, as qualification is determined in the one-on-one counseling session. To qualify, buyer(s) must:
Our Homeownership program is best suited for buyers in St. Louis, Lake, and Cook Counties. To locate an advisor or class in your purchase area, please use the search tool on the MN Homeownership Center’s website.
These workshops are designed to teach a buyer the steps involved in purchasing a home. Local professionals such as real estate agents, lenders, and home inspectors speak about their part in the process. These virtual classes on Zoom are available to anyone and have no qualifications. The cost is $40 and registration is required 24 hours in advance.
Our accredited housing counselors offer FREE one-on-one service to assist you with your road map to home-ownership. Counseling sessions focus on affordability, types of mortgages, budgeting, savings, and identifying and accomplishing your goals. Counseling is available to anyone and has no qualification requirements. Registration is required.
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This form is for questions only. Sign up for Home Stretch Workshop or One‑on‑One Counseling above. If you have a specific question, please complete the form below and a member of our team will contact you.
AEOA offers access to Framework, an online learning option. Framework is an alternative course that is designed to help you navigate the home-buying process and learn when, where, and how you like. This course is 8 hours and can be completed at your own pace. Please verify with your lender to verify that a Framework certificate is acceptable. The fee to participate in Framework is $75.
Our Homeownership program is best suited for buyers in St. Louis, Lake, and Cook Counties. To locate an advisor or class in your purchase area, please use the search tool on the MN Homeownership Center’s website.
