Housing Counseling

Homeownership creates stronger communities by fostering stability, integrity and economic growth.  James Valley Housing's Counseling helps families address the many barriers that prevent them from owning their own home, while providing support before, during and after the home buying process.  Such services create long-term, successful homeowners; as a result, families build wealth, revitalize neighborhoods and build strong communities.  Being a home owner is more than just having a roof over your head.  It offers important social benefits, like higher academic achievement, more cohesive communities, better connected families, improved health and safety and a stronger economy.

Free Homebuyer Education Classes


We provide education on the following topics:

  • The homeownership process
  • Finance
  • Insurance
  • Budgeting/ Money Management
  • Home Maintenance
  • Understanding YOUR credit report
  • Predatory lending
This class is for EVERYONE! There are so many reasons why - whether you are just starting out with no or little credit, you want to work towards getting your damaged credit back on track, you have inaccurate or fraudulent information on your report, you want guidance with getting your budget in shape, or your life goals include owning a home someday and you need direction in getting started. James Valley Housing is a non-for-profit agency, with counselors that are certified financial management experts, as well as FICO and HUD certified, and have over 20 years experience in this field. Every one deserves a chance and we are here to help guide you on your path to achieve your goals!

We offer a class every month. Call Ashley at 605-554-0181.

RD Direct Loan Packaging

Direct Section 502 Single Housing Family Housing Loan through the Rural Housing Service which is an Agency of the United States Department of Agriculture. This program assists low- and very-low-income applicants obtain decent housing providing payment assistance to increase an applicant’s repayment ability. We do not work for the Agency; we are an outside loan application packager. James Valley Housing will assist you in applying for a loan through the Agency. We do not guarantee that your loan will be approved or funded by the Agency. To find out if you qualify for an RD Direct Loan, click on the Eligibility Form below.