How to Participate
MCHT is now recruiting for Phase Nine of its Mutual Self Help Program, to begin Fall 2011 in The Village at Kamas Commons Subdivision in Kamas, Utah. For more information or a pre-application, contact Becky: 435-647-9719x13, .(JavaScript must be enabled to view this email address).
To participate in the Mutual Self-Help program you must be willing to set aside your spare time for approximately 7 to 10 months. Participants are required to contribute a minimum of 30 hours per week. Family and friends that are willing to work on the participant’s behalf can contribute up to 15 hours per week.
There is no cost to participate in the program. The only up-front money required is what is necessary to purchase a Builders Risk Policy to insure your home and materials while under construction. You will also need to purchase a tool belt and construction hand tools.
Qualified families are eligible to receive a reduced interest rate that will keep monthly mortgage payments affordable. Eligible applicants are those who do not currently own a home, meet USDA Rural Development requirements: including good credit, allowable debts and whose income does not exceed 60% Area Median Income for Summit County.
If you are interested in learning more about this program, or if you or a group would like to volunteer in our Mutual Self-Help Program by helping our participants build their homes, please contact Becky at 435-647-9719, ext. 13. You can also sign up for our affordable housing mailing list.
Financial Support
- USDA Rural Development - 502 direct leverage loans for buyers
- Olene Walker Housing Loan Fund - loans
- Rural Community Assistance Corporation – loans
- Housing Assistance Council – loans and grants
- American Express Center for Community Development - grants
- Wells Fargo Bank Foundation - grants
Mutual Self Help Program
The Mutual Self-Help Housing Program is a USDA Rural Development program sponsored by Mountainlands Community Housing Trust (MCHT). The program helps low-income participants achieve the dream of homeownership through “sweat equity.” Six to twelve participants work together under the supervision of a construction supervisor to build approximately 65% of their homes. The program takes about 7 to 10 months and the participants complete their homes simultaneously; no one moves in until all the homes in the group are completed. The labor acts as the down payment, and reduces the price of the home by approximately 20%.
63 Units Completed to Date
Since 2002, eight groups have completed a total of 63 homes in Kamas and Oakley. These homes are 3 and 4 bedrooms with a two-car garage averaging approximately 1,500 square feet, many with full basements. See attached floor plans for Group 9 homes.
Group 9 will commence in Fall 2011 in Village at Kamas Commons in Kamas. Applications are being accepted and processed for nine participants. Apply now!
Floor Plans
Aspen | Dover | Fremont | Meadowlark | Shadybrook | Shakespeare | Yorkshire
