Homeownership Programs

A description of our Homeownership programs is listed below. Each program has income guidelines. Please call one of our Homeownership Counselors at (928) 627-4221 to schedule your intake appointment. We will provide you with a list of documents you will need for this meeting.

The USDA Mutual Self-Help program is a home buyer program that provides assistance to very low and low income individuals and families willing to build 65% of their own house. While building their house participants earn sweat equity which can be equivalent to up to 10% of the house value making homeownership affordable. Each participant is placed in a group of 10 to 12 other participants and work together to build each other’s houses. Participants are required to attend Homeownership Education classes and commit to 40 hours of construction labor on weekends. Generally, 2 participants work 10 hours per day each. An onsite Housing America Corporation Construction Supervisor will train participants on each phase of construction. Construction of the houses takes approximately 10 to 12 months to complete. Participants are able to move in once all the houses of the group are completed and inspected by a USDA Rural Development representative.

For USDA Mutual Self Help Program eligibility please call (928) 627-4221 for an appointment with a Homeownership Counselor.

Self Help Application Download



Our Counseling Department delivers a variety of homeownership services. We understand that purchasing a home is one of the largest investments a person will make in their lifetime. Homeownership creates stronger communities by fostering stability, integrity and economic growth. Our Counseling Department helps families address the many barriers that prevent them from owning their own home, while providing support before, during and after the home-buying process. Our services include Pre- and Post-Purchase Homebuyer Education. Such services create long-term, successful homeowners; as a result, families build long-term wealth, revitalize neighborhoods and build strong communities. Our classes are free.

2019 HOMEOWNERSHIP CLASSES (8:30am to 4:30pm)

  • January 17
  • March 14
  • May 16
  • July 18
  • September 19
  • November 14

Homeownership Course Schedule Download

Fee Disclosure Download

Board of Directors
Manuel Figueroa, President
Carol Castro, Vice President
Ana Robles, Secretary
Rosa Varela, Member
Yolanda Galindo, Member

130 N. State Ave / P O BOX 600
Somerton, AZ 85350
(928) 627-4221


Thomas Ryan
Executive Director, ext. 11

Gurisky Garza
Self Help & Homeownership Ed., ext. 15

Veronica Villegas-Cid
Multi-Family, ext. 13

Ron Zimmerman
Construction, ext. 19

Luis Huerta-Serna
Construction, ext. 16