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Self-Help Homes - Saint George

Provides an opportunity for income eligible families and individuals to build their own new homes through a Sweat Equity program and USDA Home Purchase Loan Program.

Sweat Equity Programs
Description:

Provides a program for income eligible families and individuals to build new homes. Families are grouped together to help each other build their own homes.

Eligibility:
The family's income must be at or below 80% of the area median income (see website for a table with income guidelines) and the family must earn a minimum income of around $28,000 - $35,000 per year, and must have a credit score of at least 640, and their debt-to-income ratio cannot exceed 41%. This includes their future home payment. The family cannot own another house, and must be willing to work at least 35 hours per week on all the houses within their group.
Service Hours:
M - F 8 am - 5 pm; closed for lunch from 12 noon - 1 pm
Intake Procedure:
A pre-application must be filled out. Application is made and submitted online only.
Fees:
$500 is needed upfront for a down payment. Up to a maximum of $500 is needed to pay for hand tools and a credit report. Mortgages and interest rates are determined by income and the closing rate.
Counties Served:

USDA Rural Home Purchase Loan Programs
Description:

Program offered by the U.S. Department of Agriculture's Rural Housing Service that make home loans and loan guarantees available to rural families with an income below 80% of the median income level in the communities where they live who do not qualify for a conventional loan.

Eligibility:
The family's income must be at or below 80% of the area median income (see website for a table with income guidelines) and the family must earn a minimum income of around $28,000 - $35,000 per year, must have a credit score of at least 640, and their debt-to-income ratio cannot exceed 41%. This includes their future home payment. The family cannot own another house, and must be willing to work at least 35 hours per week on all the houses within their group.
Service Hours:
M - F 8 am - 5 pm; closed for lunch from 12 noon - 1 pm
Intake Procedure:
A pre-application must be filled out. Application is made and submitted online only.
Fees:
$500 is needed upfront for a down payment. Up to a maximum of $500 is needed to pay for hand tools and a credit report. Mortgages and interest rates are determined by income and the closing rate.
Counties Served:

  • State of Utah

  • State of Utah