OneCommunity Alliance is happy to play a key role in helping St. Cloud families obtain homes of their own.
2025 Results
41
Families participated in credit-building/repair services.
132
Families engaged in the mortgage application process.
35
First generation homebuyers closed on their first home.
380
Families attended Homeownership Fairs.
80
Families pre-approved for home mortgages.
Home Ownership Education and Counseling
Availability: Saint Cloud, Waite Park, Sartell, Saint Joseph, Sauk Rapids
Our goal is to empower potential buyers for successful homeownership. OneCommunity Alliance offers a variety of tools to support you on your journey. Our program includes
- Homebuyer Education
- Homebuyer Counseling
- Financial Wellness Counseling
Home Stretch Workshops
Home Stretch Workshops offer first-time homebuyers clear, step-by-step guidance through the homebuying process. Participants learn how to budget, improve their credit, compare loan options, collaborate with lenders and realtors, and prepare for closing and long-term homeownership.
All classes and counseling sessions are open to everyone.
April Class
Saturday, April 4th from 9:00am – 5:30pm
Pre-Purchase/Readiness Consultation
Thinking about buying a home? Schedule a FREE one-on-one appointment with an OCA homeownership advisor.
Your advisor will create a personalized plan tailored to your needs and help you stay on track. This service is available at no cost to individuals or families interested in purchasing a home, with no income restrictions.
Pre-Purchase and Readiness Consultation usually cover three areas: your finances, your paperwork, and your plan.
- Readiness check
- Income and employment review
- Credit review
- Down payment and program screening
- Paperwork and document prep
- Homeownership education
- Risk and barrier review
- Personalized action plan and timeline
Or Call to 320-342-3000 for schedule
Post-Purchase Consultation
You’ve put in the effort to become a homeowner; now it’s time to learn how to protect and care for your investment. We provide free guidance on management, home improvement, maintenance, insurance, and more.
Join us for a consultation session!
Or Call to 320-342-3000 for schedule
Learn More About the Services We Provide for Homebuyers
Homestretch Classes
To qualify for 1st time homebuyer downpayment assistance in Minnesota, you need to complete an eight-hour homebuyer workshop called Homestretch. This workshop provides essential information for informed home buying, covering topics such as mortgage types, the importance of home inspections, and affordability. The sessions are open to all individuals or families considering home purchase, with no income limits.
Closing the Housing Gap
We believe everyone should have a place to call home. As a part of our mission, we strive to make this a reality by ensuring access to safe, affordable, and stable housing. This is an initiative that requires a diverse approach— and our team at OneCommunity Alliance is committed to addressing this challenge in a variety of ways. From the development of affordable housing to providing comprehensive housing counseling, and advocating for policy changes to ensure fair housing practices, we strive to create a true and lasting impact for families impacted in our community.
Our Partners
Builders, local bank representatives, and Realtors in our alliance help to lead a more comprehensive and effective approach to addressing housing needs in our community. Each group brings their own set of expertise and resources that work to enhance our efforts.
Our Focus
We strive to provide solutions to housing challenges in our community. By helping families build equity through homeownership, we work to reduce inequalities and increase overall homeownership rates. As a team, we allocate local and state funding for homeownership and in aiding families of color in their search for good and fair financing. We also seek opportunities that help to support down payments for families in need.
Our Key Initiatives Include
Affordable Housing Development
OneCommunity Alliance helps to build and maintain housing for low-income families. Dependent on needs, we offer help in building new housing units, rehabilitating and updating existing properties, and providing financial assistance to help you own an affordable home.
Housing Counseling
We offer advice on buying, renting, and avoiding foreclosure to support your family. We want to provide you with information to better help you navigate the home-buying process and credit issues to evade eviction.
Homelessness Prevention
We strive to avoid homelessness, and seek opportunities for emergency financial assistance, temporary shelter, or supportive services for individuals and families at risk of losing their homes. We work hard to help provide options for those in need, ensuring that no one in our community is left without a safe place to live.
Policy Advocacy
OneCommunity Alliance advocates for policies and legislation at the local, state, and national levels that promote affordable housing, tenant rights, and fair housing practices. Our goal is to create a legislative environment that supports equitable access to housing for all low-income families.
Financial Assistance
Supporting downpayments, rent subsidies, and home repairs.
Tenant Support
We offer tenants with support and resources such as legal assistance, mediation services, and education covering their rights and responsibilities. We believe it is important to have a firm understanding of what is expected while buying or renting a home.
Financial Support
Downpayment assistance, rent subsidies, or home repair grants are programs we’re proud to offer for those in need of opportunities to afford safe housing.
Research & Data Analytics
We conduct thorough research and data analysis to deepen our understanding of housing trends, challenges, and disparities within our communities. This informed approach guides our advocacy efforts, allowing us to develop strategies and solutions that address the root causes of housing inequities.
Education and Collaboration
OneCommunity Alliance believes in the importance of well-rounded education. We strive to empower individuals with the knowledge and skills needed to make informed housing decisions. With that, we are dedicated to fostering partnerships among housing nonprofits, government agencies, businesses, and community stakeholders that aid in effectively tackling housing challenges together as a team.
At OneCommunity Alliance, and as one community, we are committed to building a stronger, more diverse community through our key initiatives. Together, we believe in building a future where every member of our community can succeed.
Have more questions? Feel free to reach out to us through our connect page.
