Address & Phone
822 North Cheyenne Avenue
Lame Deer, MT 59043
406.477.6419
Primary Contact
Rachael Two-Two
[email protected]
www.nctribalhousing.org/
Services
Homebuyer Education
Financial Education
Financial Coaching
Counties
Northern Cheyenne Tribal Families
Organization Description
The Northern Cheyenne Tribal Housing Authority (NCTHA) is committed to providing quality and affordable housing services to eligible Northern Cheyenne tribal families living on tribal lands. NCTHA was created in the early 1960s and over the course of its history has developed over 800 homes for tribal members. With changes in US legislation in the mid 1990s affecting funding sources NCTHA shifted focus from development of new housing to maintenance and rehabilitation of existing housing. NCTHA continues to build new housing, maintain and rehabilitate existing housing, and implement other programs to improve the quality of affordable housing for tribal families. More recent efforts have included a wood stove and energy efficiency program, improvements to Hestaneo’o Park (The Peoples’ Park), and conveyance of over 300 Mutual Help Homeownership units to their respective homeowners. NCTHA consistently provides homebuyer education and financial education to help tribal members improve their personal financial management skills and become homeownership ready.
Homebuyer Education Classes
Northern Cheyenne Housing Authority offers its Homebuyer Education class in Lame Deer about six times per year. Classes are 8 hours and take place over the course of one day, typically on Thursdays – see below for course dates, times and locations. The purpose of the class is to teach potential homeowners about the process of purchasing a home. This class has a particular focus on Native American homebuyers and the challenges and benefits relative to homeownership in Indian country. This is a great program for both new and experienced home buyers and provides a good opportunity to become a more educated home buyer and homeowner. The class is taught by certified homeownership educators and other professionals from the community who provide
presentations on a range of homeownership topics including:
- Choosing a lender and understanding loan products and terms
- Working with a real estate agent who really grasps your needs and price range
- Understanding the scope and value of home inspections
- Evaluating your credit and using credit wisely
- Budgeting for your household and determining affordability
- Choosing insurance policies
- Understanding the title insurance and closing process
- Maintaining your home so it continues to be an appreciating asset
- Becoming a homeowner on a land lease
- Special homebuyer assistance available through NCTHA and lenders
Registration and Payment
Registration: Advanced registration is required. To register please contact Rachael Two Two via phone at (406) 477-6419 or email [email protected].
Class Fee: $15 per individual or $25 per married couple. Lunch is provided. Payment must be made by money order to Northern Cheyenne Tribal Housing Authority, PO Box 327, Lame Deer, MT 59043.
If you have special needs such as those covered by the Americans with Disabilities Act please let us know and we can make accommodations for you.
Note: Our classroom is not suitable for children. Please make childcare arrangements.
Class Schedule
Please call 406-477-6419 for class schedule.
NCTHA offers its Financial Education class in Lame Deer about six times per year. The purpose of the class is to teach individuals and families how to take charge of their financial life. Classes are 8 hours over the course of a day or two-to-three evenings – see below for course dates, times and locations. This is a great program for anyone looking to become more educated about personal financial management. The class is taught by certified financial counselors and other professionals from the community who provide presentations on a range of homeownership topics including:
- Creating a budget that works
- Saving for future goals
- Evaluating your credit, rebuilding credit and using credit wisely
- Understanding taxes and insurance
- Avoiding financial pitfalls and consumer traps
Registration and Payment
Registration: Advanced registration is required. To register please contact Rachael Two Two via phone at (406) 477-6419 or email [email protected].
Class Fee: Classes are FREE and open to the public.
Note: Our classroom is not suitable for children. Please make childcare arrangements. If you have special needs such as those covered by the Americans with Disabilities Act please let us know and we can make accommodations for you.
Class Schedule
Please call 406-477-6419 for class schedule.
You have two options for online homebuyer education: eHome America or Framework. While online education cannot replace the experience of an in-person class, both eHome America and Framework classes provide a comprehensive education on the homebuying journey.
In order to receive your homebuyer education class certificate of completion you will need to complete a one-on-one appointment with one of our HUD-certified housing counselors. This appointment can be done in person or over the phone and can generally be made to fit your schedule.
The content and topics are the same for both classes, but the delivery styles differ slightly. Feel free to choose the class that suits your learning style best. Both classes are HUD- certified, and both have adopted NeighborWorks America’s National Industry Standards.
eHome is “more like an electronic textbook”, said one user. eHome has short videos that introduce concepts followed by text that further expand those concepts.
Class Costs $99
Framework is more like a storybook, following the homebuying journey of a prospective first-time homebuyer. Content is very interactive.
Class Costs $75
If you still need advice on which course to take your lender may have a recommendation based on the loan products you are considering, or you may contact your local housing counselor for their perspective. Click HERE to find a counselor in your area.
Once you’ve registered and completed the course you will receive an email from Naomi Valentine at NeighborWorks Montana putting you in touch with the housing counselor in your area to complete your one-on-one counseling session.
Questions? – contact Naomi Valentine at (406) 604-4558 or by email at [email protected].