Mutual Self Help Homes

Mutual Self Help

What is Self Help Housing?
Self Help Housing is a program for qualified families to achieve the dream of home ownership. Qualified families work together under the supervision of a Construction Supervisor to Construct their homes.

What is involved?
To participate in the Self Help Program you must be willing to set aside all your spare time for at least one year. Participants are required to contribute a minimum of 30 hours per week, in the evenings and weekends. Half of those hours can be performed by volunteers, such as family and friends, which would like to be a part of your experience.

How much will it cost?
There are no fees to participate in this program. You will not have to put a down payment on the house. The only upfront cost will be a tool deposit that you will be eligible to receive back at the end of the project. You will also be required to purchase a tool belt and a few hand tools for your own personal use.

Where can we build?
The location of the project is chosen by the land that is available and within budget. The lots must be located fairly close to each other for the convenience of the project and the Construction Supervisor. The lots will be chosen on a first family qualified, first family to choose their lot basis.

Who can Qualify?
Anyone whose annual income is equal to or less than the program income guidelines can qualify for the program as long as they-

  • Do not have an existing mortgage
  • Are capable of fulfilling the labor contribution requirements
  • Can qualify for a Direct Loan for the amount it costs to build the home
  • Have an approved credit score
  • Have a desire to achieve homeownership

No prior construction knowledge is required to participate in this program.

For More information on the program please contact:

Kristin Lewis
Self Help Program Manager