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.

Application Download


The 502 Loan Program is a homebuyer program that assists low- and very-low-income families to obtain decent, safe and sanitary housing by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage monthly payment. 

This program adds homeownership opportunity for those that cannot work on weekends on our USDA Self Help Program. Once approved USDA will provide payment assistance to increase repayment ability. The amount of assistance is determined by USDA Rural Development and it is based on adjusted family income. 

Program participants are required to complete our Homeownership Education Class.

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.

2021 HOMEOWNERSHIP CLASSES (8:30am to 4:30pm)

  • January 14
  • March 11
  • May 13
  • July 15
  • September 09
  • November 18

Homeownership Course Schedule Download

Homeownership Intake List of Documents Download

Fee Disclosure Download