We look forward to helping you with ANY of you housing needs.

Closing Cost Assistance


Rural Direct Home Loan Application and Packaging

When homeowners don’t have the money for a down payment and closing costs our Closing Cost Assistance Grant is the perfect solution. We are here to help with our grant funds based on income.  Over the next two years we will award up to $5000 to a minimum of 18 households who qualify by income in the counties of Dawes, Box Butte, Sheridan, Sioux and Morrill. Contact us to see if you qualify! 

Families and individuals who are denied a conventional loan due to limited income, down payment, or credit score may qualify for a United States Department of Agriculture Rural Development (USDA RD) Direct Home Loan.  This loan has a payment assistance feature offering fixed interest rates that can be as low as 1%.  The loan payback term varies based on assistance amount from 33 - 38 years.  Together these loan features allow for a low monthly payment, low down payment and approval of people who may not qualify for conventional loans.


Home Buyer Education

Group, or online English or Spanish

HPCDC offers an in-depth pre-purchase home buyer workshop designed to inform renters and first-time home buyers about the entire home buying process. We teach you about the financial benefits of owning your own home and the home buying process from start to finish.  Buying a home is likely to be one of the biggest investments you will ever make; we can help ensure you do it based on an informed decision. Our workshop is a necessary step to qualify for USDA Direct Loans, NIFA loans and our closing cost and down-payment assistance.  You could be eligible to receive $2,000 or more in down-payment assistance. Registration can be done by clicking on the button below.


Home Equity Conversion Mortgage Education

Appointments available now

One-on-one Reverse Mortgage Counseling is available by phone, video or face to face for homeowners over age 62.  A HUD FHA guarenteed reverse mortgage can provide access to some of the equity in your home while living in the home without requiring monthly mortgage payments.  Counseling helps understand the costs, advantages and disadvantages of using a reverse mortgage as well as the alternatives.  Our counseling sessions are tailored to your unique circumstances to help you understand what a reverse mortgage is and how it might meet your housing goals.  This counseling is required to apply for a HECM loan.


Foreclosure Prevention

Call for an appointment

Our HUD Certified foreclosure counselor who has relationships with lenders and services and 20 years experience in lending and housing counseling can assist homeowners having problems making their mortgage payments and those who may already be behind.   Our housing counselor is someone who can help you through the process of working to save your home from foreclosure and provide resources needed to get things back on track with free advice and support.  We also assist in working with lenders to get the homeowner(s) current, and stay that way!


Credit and Budget Counseling

Individual and group format

Our counselors help those who owe money or may be in over their head.  Whatever the reason, medical expenses, unemployment, poor money management the way to fix your credit or budgeting problems is to not just eliminate what is owed but also address the root cause of what put you in debt.   Our services advise you by considering your whole financial picture, review your budgeting and spending and evaluate your credit report with information on how to improve your score.


Fair Housing

Partner with Lincoln Fair Housing Center of Iowa

Our counselors and partnership with the Fair Housing Center of Iowa helps renters, landlords and the general public to understand state and federal laws protecting Nebraskans against discrimination because of race, color, gender, religion, disability, family status or national origin.


Post Purchase Education

Individual and group format

Education empowering successful homeowners with topics including repairs and maintenance, budget and re-financing.  We can assist homeowners to evaluate the benefit of refinancing and predatory lending and scam alerts.  We provide referrals to community partners for weatherization, rehab and energy smart.