Owner Built Homes FAQs

QAre there any skills that I must have?

A good attitude, you will acquire the knowledge and skills you need to become a successful and responsible homeowner, as well as the trade skills required for the build.

QDo I need a down payment?

No, a down payment is not required for the Owner Built Homes program.

QHow long does the build take?

Each build on average takes about 12 months. No one moves in until all the homes are completed. 

QHow many hours do I have to commit?

The household will be expected to work a minimum of 30 hours per week on the construction site. The household must put in at least 17 hours per week, while the remaining hours can come from outside family members, friends and community members or organizations

QIs there an age requirement for this program?

You must be at least 18 years old to apply for this program. The is no age limit, although you must be physically capable to put in at least 17 hours of work per week.

QWhat are the qualifications for the Owner Built Homes Program?

A family’s income can be no greater than 80 percent of area median income to qualify (please call to verify), each applicant must have a 2 year work history, and favorable or curable credit history is required and a credit report will be obtained for each applicant.

QWhat will my payments be?

Your total house payment (principal, interest, taxes, and insurance) will be determined by your household income and could be as low as 1% interest.


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