ABOVE: Edgar and Naomi Bermudez shuffle rock that will be used for the foundation of their new home in Wasco.
Dozens of families in Wasco are building new homes for each other, taking part in a program funded through the U.S. Department of Agriculture and guided by the nonprofit, Self Help Enterprises.
The new homeowners don’t need a dollar for a down payment. Instead, they are required to do 40 hours of work on the home every week. The development in Wasco consists of 33 homes, with 10-12 in each of three waves.
Construction begins for seven families in Provo, Utah. Project supported by Self-Help Homes.
FULL STORY: Seven families in Southern Utah are anxious to get started on what will be their new homes. A groundbreaking ceremony in LaVerkin last Wednesday turned over shovels of dirt, that will soon become a foundation. Four of the new homes will be built in LaVerkin and the other three in Toquerville.
The families are part of Self-Help Homes. They all received low interest loans from the government to build each others homes. The program is growing in Southern Utah as word continues to get out.
Self-Help Enterprises celebrated National Homeownership Month and NeighborWorks Week in Traver, CA on June 22, 2017. Attendees at the event included Joyce Allen, USDA Rural Development Deputy Administrator for Single Family Housing, and Gary Wolfe, NeighborWorks America Western Region Vice President. During the celebration, Self-Help Enterprises recognized over 150 youth and adults from the La Casa de Cristo Church in Scottsdale, AZ, who volunteered for four days (June 19-22) to help families in Traver build their own homes.
Under Self-Help Enterprises’ supervision, 11 families are building their own homes through the Mutual Self-Help Housing program in Traver, CA. Families are projected to move into the Traver, CA subdivision in March 2018. Working with the County, Self-Help Enterprises purchased and developed the subdivision. The County is developing plans to improve the community’s infrastructure. In addition, Family HealthCare Network has completed a health clinic facility on a nearby site.
The Mutual Self-Help Housing program is essential for rural communities like Traver, which lack new affordable housing options. Working in groups of nine to 12, Mutual Self-Help families provide over 70 percent of the construction labor on their homes, contributing at least 40 hours a week towards completion. These labor hours count as “sweat equity,” which helps to bring down the construction costs and is used as a down payment on the home.
Self-Help Enterprises, a National Rural Housing Coalition member organization, has pioneered the Mutual Self-Help Housing program. Since its founding in 1965, Self-Help Enterprises has helped more than 6,200 families in the San Joaquin Valley build their own homes.
For more information about Self-Help Enterprises, please visit their website.
National Rural Housing Coalition member organization, Self-Help Housing Corporation of Hawaii (SHHCH) hosted a ground breaking ceremony on June 21, 2017 in Waianae. Twelve families are set to begin construction on their new homes, and once the Pokai Bay Project is completed, there will be 70 Mutual Self-Help built homes in the community.
SHHCH is a nonprofit organization that provides technical assistance to low-income families in Hawaii that enables the families to build their own homes through the team self-help housing method. Over the past 52 years, SHHCH has helped families develop 656 homes in Hawaii with the U.S. Department of Agriculture’s (USDA) Mutual Self-Help Housing program.
With the Mutual Self-Help Housing program, teams of 6 to 12 families are paired together to help build each other’s homes. With SHHCH, each family contributes 16 hours of labor each weekend over the course of a year to complete construction. No family moves in until all of the homes for the group are completed. SHHCH works with the families to secure the necessary financing from the government, including the Section 502 Direct Home Loan program, other nonprofit organizations, and private lenders. The families earn “sweat equity” by working to build their own homes the, thereby reducing purchase and construction costs.
Mutual Self-Help Housing is an innovative and essential program for low-income families across America. Because the families are able to earn sweat equity, families earning under 80 percent of the area median (AMI) income are able to become homeowners. In fact, in the Waianae community, 58 of the 70 self-help homes will be specified for families earning 80 percent of the AMI and 12 homes will be for families earning 50 percent of the AMI. The median price for a previously-owned home on Oahu is $745,000. Comparatively, these self-help families will purchase their homes in fee-simple for $295,000.
SHHCH purchased the land that the 70 homes will sit on in 2013 for $6.2 million, including $3.1 million from the Hawaii Housing Finance Development Corporation. In addition, the Rural Community Assistance Corporation contributed $3.2 million and the Housing Assistance Council contributed $2.5 million.
Attendees at the ground breaking included Hawaii State Senator Maile Shimabukuro; Hawaii State Representative Cedric Gates; SHHCH Construction Supervisor Joseph Ching; Hawaii Housing Finance & Development Corporation Development Manager Rick Prahler; SHHCH Executive Director Claudia Shay; Hawaii Housing Finance & Development Corporation Executive Director Craig Hirai representing Governor David Ige; and Sandeth “Ali” Sek representing U.S. Representative Tulsi Gabbard.