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 CAUSA Nogales 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

 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