Our Home Ownership program assists households in the construction of
new homes. Groups working together under PSHH supervision are taught the
construction skills necessary. Each group contributes approximately
1,600 hours of “sweat-equity”, over a 12-15 month period.

This “sweat equity”, used in lieu of a cash down payment, and with the help
of a low interest mortgage, helps low-income families become homeowners.
The collective effort model coupled with a sense of pride builds community
and has been an important part of our organization for nearly 50 years.

We currently do not have an active project for owner-builders,
but you may submit an intake form at any time. As lots become available
counseling staff will contact you to help you learn how to apply and qualify.

Although each County has different income qualifications,
below is an example of the general eligibility requirements:

  • Annual income at least $40,000.
  • Good credit and rental history
  • Maximum income limits:
    • 1 – 4 person household – $66,550
    • 5 or more person household – $87,850
  • Commitment to work 40+ hours a week to building your home
  • Borrower must be a U.S. Citizen or Permanent Resident

For additional assistance, please contact us at (805) 540-2446 or