Our previous programs have helped over 100 families achieve the American dream of homeownership.
Our most popular and successful program has been the Self-Help Program, where families get physically
involved in the construction process with the intention of achieving substantial savings in labor.
Depending on work performed by families, labor savings may be between 20% – 50% which reduces the
final construction cost. This final cost is converted into the permanent mortgage loan; the more savings
equals to a lower mortgage loan monthly payment.
Additionally, in partnership with local and state governments, we have helped first time home buyers with assistance to cover down payment and closing costs. Most lenders will require 10% – 20% down payment, depending on credit, when applying for a Conventional Loan, and 3.5% down payment when applying for an FHA Loan. Most low-income families do not have enough savings to cover down payment and/or closing costs which is critical to qualify for a mortgage loan; this program provides this relief.