USDA Rural Development employees join Mutual Self-Help Program participant Michelle Mosely for a break from installing floor beams to Michelle’s future home.
A stormy sky didn’t dampen spirits as a crew of us from USDA Rural Development’s national headquarters celebrated National Homeownership Month by helping Mutual Self-Help Housing Program participants build their own homes in Lincoln, DE.
USDA Rural Development’s Self-Help Housing Program offers families with modest means a hands-on approach to achieve homeownership. Groups of families work side-by-side on nights and weekends to construct their homes, and no one moves in until all the houses are completed. Read more »
Maria and Ignacio Gordillo of Reedley, Calif., helped build their house last year through USDA’s Mutual Self-Help Housing Loan Program. More than 50,000 rural families have become homeowners using their “sweat equity” as a down payment on an affordable USDA mortgage.
More than 50,000 rural families have become homeowners using their “sweat equity” as their down payment on an affordable USDA mortgage.
What is “sweat equity?” These families have helped build their own homes and provided most of the construction labor with guidance from a qualified construction supervisor through USDA’s Mutual Self-Help Housing Loan Program. The “sweat equity” — the savings in labor costs — reduced the amount of the home loan and made the monthly payments affordable.
June is National Homeownership Month. USDA is celebrating the self-help program and the 50,000+ rural families who have invested in a home of their own through self-help housing. Read more »
State Director Terry Brunner presents an award to Mireya Cisneros as her parents and her younger brother look on.
The Sixth Street Elementary School in Silver City, New Mexico, has seen a lot of students over the years. But May 8th 2014 was a very special day at the 130-year-old school. Why? Because 10-year-old Mireya Cisneros, a fourth grader, was honored for her winning illustration for New Mexico’s 2014 National Homeownership Month poster contest.
The theme, “What my home means to me!” was the inspiration for the fourth and fifth grade students who participated in the contest held by USDA Rural Development in New Mexico. Read more »
USDA Ohio Rural Development employees help construction workers "walk up a wall" during a day of volunteering at a Marysville, Ohio Habitat for Humanity build. The house, which will belong to Union County resident Michelle Amrine, is the first-ever built-from-the-ground-up collaboration between Habitat for Humanity and Rural Development in Ohio. (USDA Photo by Heather Hartley)
In commemoration of USDA’s annual Homeownership Month, some industrious Ohio Rural Development team members and I recently spent a sunny day at a Habitat for Humanity building site, helping Marysville resident Michelle Amrine and her two children frame out a place to call their own.
Financed through USDA Rural Development’s Direct Home Loan program, the home is being constructed through Habitat for Humanity of Union County. Although earlier projects in the state included funds for the rehabilitation of already-existing construction, the Amrine house marks the first “from-the-ground-up” collaboration between Ohio Rural Development and Habitat for Humanity. Read more »
Tony Hernandez (left), Administrator for USDA Housing Programs, and Georgia Rural Development State Director Quinton Robinson congratulate Telisha Mack on her new home in recognition of National Homeownership Month.
In 2011, Telisha Mack was ready to take the leap into homeownership. She put mortgage applications at three different banks, but was not approved because she didn’t have a huge down payment or a co-signer. She lost her chance to purchase two different homes she liked.
As a single mother with three children while working a full-time job, Telisha managed to overcome a number of hurdles to obtain an Associate’s Degree in Accounting, a Bachelor’s Degree in Management, and a Master’s Degree in Human Resources. She maintained good credit and budgeted wisely. She knew she could overcome the hurdle of entering homeownership, but wasn’t sure exactly how or when. Then, she heard from a friend how USDA Rural Development helps families break into the housing market. Read more »
South Dakota United States Department of Agriculture Rural Development State Director Elsie Meeks (right) meets with Colleen Steele, Executive Director, Mazaska Owecaso Otipi Financial. USDA photo.
“Being a homeowner is absolutely rewarding to my family and me. Owning my own home means stability, safety and accomplishment in our lives,” said Stephanie Richards-Apple. She purchased her home through Mazaska Owecaso Otipi Financial. Mazaska is a partner to USDA Rural Development in South Dakota and a member of the South Dakota Native Homeownership Coalition (Coalition). Richards-Apple worked with Mazaska to make the step from tenant to homeowner. Her story highlights the importance of the work of the South Dakota Native Homeownership Coalition.
The Coalition is a partnership of Federal and State agencies, Housing Development Authorities and non-profit entities that share the common goal of improving Native homeownership in South Dakota. South Dakota Rural Development State Director Elsie Meeks welcomed over 50 participants at a coalition-sponsored training session in Pierre, SD and stated “We strive to advocate and strengthen families and Native communities through homeownership; it isn’t often that the Native and non-native housing organizations get to learn from each other.” Read more »