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Posts tagged: Self Help Housing Program

Homeownership and Independence Day Go Together Like Baseball and Apple Pie

Closing out National Homeownership Month on June 30, 2014, RHS Administrator Tony Hernandez inside the home with new homeowners, Jay Pauley and Johanna Mansfield, along with Congresswoman Jaime Herrera Beutler, representing Southwest Washington's 3rd Congressional District, at the Lower Columbia Community Action Program (LCCAP) Self-Help Housing Project in Castle Rock, Wash. Photo by Phil Eggman.

Closing out National Homeownership Month on June 30, 2014, RHS Administrator Tony Hernandez inside the home with new homeowners, Jay Pauley and Johanna Mansfield, along with Congresswoman Jaime Herrera Beutler, representing Southwest Washington's 3rd Congressional District, at the Lower Columbia Community Action Program (LCCAP) Self-Help Housing Project in Castle Rock, Wash. Photo by Phil Eggman.

This year, Independence Day will be even more meaningful for tens of thousands of families across the nation. With financing assistance from USDA, they will be able to gather their loved ones in their own homes and back yards to celebrate the holiday as homeowners.

As the Administrator for USDA’s housing programs, I spent the past weeks celebrating National Homeownership Month with rural families who are achieving the American Dream with USDA assistance. On the final day of the month-long celebration, I joined families who are now constructing their homes through USDA’s Mutual Self-Help program, as well as another group of families moving into their new homes just in time to celebrate the Fourth of July. Read more »

USDA Rural Development Assistance Helps Massachusetts Family Afford Home

Pictured above are Heidi Richards and her daughter in their newly constructed Habitat home with Deputy Under Secretary, Patrice Kunesh.

Pictured above are Heidi Richards and her daughter in their newly constructed Habitat home with Deputy Under Secretary, Patrice Kunesh.

Recently, I visited the Habitat for Humanity homes on Cape Cod, Massachusetts in celebration of National Homeownership Month, a time to recognize the important role that housing plays in the economy. The construction of these homes was made possible through loans from USDA Rural Development (RD).

The partnership between USDA Rural Development and the Cape Cod Chapter of Habitat for Humanity continues to help provide numerous low-income families with safe, affordable, and well-built homes. USDA Rural Development and the Cape Cod Chapter of Habitat for Humanity first partnered in 2011. In FY 2013, USDA Rural Development financed four out of five of the Habitat homes built on Cape Cod, and they are currently on track to finance eight more Habitat homes being built on Cape Cod in FY 2014. Read more »

The Sweat Equity Route to Homeownership: Raising Walls & Building a Community!

Wayne Bodley (far right) built his home through the Self-Help program with assistance from USDA Rural Development and the Housing Assistance Corporation. Bodley designed the bear which is displayed in downtown Hendersonville, NC, and will be auctioned off to benefit the local Self-Help program.

Wayne Bodley (far right) built his home through the Self-Help program with assistance from USDA Rural Development and the Housing Assistance Corporation. Bodley designed the bear which is displayed in downtown Hendersonville, NC, and will be auctioned off to benefit the local Self-Help program.

In celebration of USDA’s annual Homeownership Month, I toured a flourishing neighborhood tucked in the woods of Edneyville, North Carolina. Along with me were families who never thought it possible to own a home or have a yard for their children or a garden. Their dreams were realized by building not only their own home, but the homes of their neighbors too! In the process, they also built enduring bonds of a caring community.

This neighborhood is being developed by the private, nonprofit Housing Assistance Corporation (HAC) of Hendersonville using Rural Development’s Self-Help Housing program.  Since 1971, USDA has helped build more than 50,000 across the nation. Through the Self Help Housing program, homeowners save money and earn “sweat equity” toward their homes by completing 65% of the labor.  Ten to 12 families pool their efforts and work a minimum of 40 hours a week working on all the homes — and no one moves into their home until every home is completed.  Working together, families pour foundations, frame homes, install electrical wiring, hang doors and windows, and lay tile and paint. Their sweat equity qualifies as their down payment. Once completed, USDA Rural Development provides the families with mortgages through the Single Family Housing Direct Loan Program. Read more »

Homeownership Becomes Reality at Zuni Pueblo

Reyanna Nastarcio’s grandchildren hold the American flag that was presented to her by Rural Development Housing Administrator Tony Hernandez and State Director Terry Brunner.

Reyanna Nastarcio’s grandchildren hold the American flag that was presented to her by Rural Development Housing Administrator Tony Hernandez and State Director Terry Brunner.

By mid-morning the wind was howling and blowing the auburn colored sand across Zuni Pueblo located in western New Mexico.

But this was the last thing on the minds of Kay Panteah, Reyanna Nastarcio and Martha Sheche tribal members of Zuni Pueblo. This is the day they celebrate the completion of construction of their new homes—the homes they built with their own hands with the help of family and friends.

At last, this day has finally arrived—after all of those days of hanging drywall, driving nails, and painting walls. After a year of hard work they are being honored by an age-old tradition where their community comes together and celebrates a special feast day.  A celebration that includes a blessing of thanks, song and dance by the Zuni Olla Maidens where they rejoice in the ‘homecoming’ for these three women who have worked hard to attain the title of ‘homeowner’ and to create a home for their families. Read more »

Strength in Numbers: USDA Employees Join Delaware Residents Who Are Building Their Homes in Order to “Own” Their Future

USDA Rural Development employees join Mutual Self-Help Program participant Michelle Mosely for a break from installing floor beams to Michelle’s future home.

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 »

Build Your Way to Homeownership With USDA’s Help

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.

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 »