|Mutual Self-Help Housing Program|
Uniquely designed to help people help themselves, Mutual Self-Help Housing is a "sweat equity" program that gives low-income families the means to construct their own homes. Families who participate perform approximately 70 percent of the construction labor, under qualified supervision, on each others homes. The labor that families contribute substantially reduces the cost of each home, and serves as the down payment.
Participants in the program must be willing to contribute a minimum of 30 hours per week for approximately 6 to 8 months. Family and friends can contribute up to 15 hours per week.
The benefits that the Mutual Self-Help Housing program provide are substantial, including:
- Pride of home ownership
- Immediate home equity
- No down payment
- Reduced interest mortgage rates
Since Housing Resources established the program in 1996, over 300 homes in Mesa County and surrounding areas have been built, providing affordable homeownership and helping to develop strong, stable community bonds.
How do I qualify?
The Mutual Self Help Housing Program is designed to assist families who are unable to buy clean, safe housing through conventional methods. To participate in the program, you must meet the following requirements.
- Be at least 18 years of age
- Have income that does not exceed 80% of the area median income
- Do not currently own a home
- Be able to devote at least 30 hours per week of labor (no experience necessary)
- Meet USDA Rural Development credit and allowable debts
TO APPLY FOR THE MUTUAL SELF-HELP HOUSING PROGRAM, CLICK HERE.