Program began in March 1993 Buyers must meet adjusted income limits Family of 4 Very Low Income $22,000 Family of 4 Low Income $35,200 (HUD Guidelines)

Program began in March 1993

Buyers must meet adjusted income limits

Family of 4 Very Low Income $22,000 Family of 4 Low Income $35,200 (HUD Guidelines)

Have good credit

Be approved for a USDA loan CPLC assists family to qualify for the loan

Attend the Housing Counseling Workshops

CHICANOS POR LA CAUSANogales Self-Help

How Does It Work?65% of the construction must be completed by the families (This is considered “Sweat Equity”).

CPLC provides the technical assistance for the construction of the homes

35% of the Construction is done by Registered Contractors

Loan is under USDA (3 Bedroom home loan is approximately $ 74,000).

Time of construction is 3.8 weeks per house.

Mortgage Payment is approximately $ 472 per month.

Other Subsidies include: Self-Help Ownership Program & Affordable Housing Program

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2002-2003 2004-2005 2006-2007 2008-2009

History of Last Seven Years (2 year funding cycles)

Program develops positive community impact

Teaches maintenance and repair skills

Method for families to gain and retain assets

Program develops pride, security and family stability

The Results