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Housing Services
- CCCS provides pre-purchase counseling for individuals who wish to purchase a home. We can help you take the steps necessary to qualify for the home you want. We walk you through the complicated process of buying a home.
- CCCS offers homebuyer education programs. Completion of these classes can help you qualify for special programs offered by area lenders (please see the Education tab for more information).
- If you are nearing retirement and looking for options regarding your home, CCCS provides reverse mortgage counseling.
- CCCS works with individuals struggling to make their house payment. Meet with a counselor for Mortgage Counseling/Foreclosure Prevention.
The number of foreclosures in the United States is at an all-time high. Many homeowners who have an adjustable rate mortgage have seen their payments steadily rise over the past several years, often to the point where they can no longer afford the payment. If you or someone you know is in this type of predicament, there are a number of action steps that could be considered.
However, it’s essential that the homeowner seek professional help in assessing the situation and weighing the options. At CCCS of the Black Hills, our experience has been that early intervention and counseling are effective in helping homeowners find workable solutions and in avoiding foreclosure. Our counselors have the expertise to help individuals and families address their financial challenges. CCCS is part of the South Dakota Mortgage Crisis Hotline. 877-832-0161.
CCCS/BH is a member of the National Foundation for Credit Counseling (NFCC). The NFCC network is the largest intermediary and provider of HUD-related housing counseling. With its 115 Member Agencies and 2,253 certified counselors, the NFCC member agencies can assist individuals across the US with their housing crisis.
- Rental Delinquency Counseling is available to individuals who are having trouble keeping current with their rent. A CCCS counselor will help find the best options.
- CCCS counselors can review your refinance options and help you evaluate your options as you look to refinance your home or take out a home equity loan.
- CCCS administers the Rapid City Community Development Corporations Housing Program. The RCCDC constructs single family homes and will do purchase rehabilitation to homes or provide down payment and closing cost assistance for persons who meet the low income eligibility and program guidelines.
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