What is DreamBuilders?

DreamBuilders is a unique service offered by NeighborWorks Umpqua. This type of service is known as a Mutual Self-Help Housing service. Mutual Self-Help Housing is a “sweat equity” program provided through USDA’s Self-Help Housing Program, that gives a group of income qualified families the means to construct their own homes. Families who participate perform approximately 65% of the construction labor, under qualified supervision, on each other’s homes. The labor that families contribute substantially reduces the cost of each home while also building equity. Participants in the program must be willing to contribute a minimum of 30 hours per week for approximately 8 to 12 months. Family and friends can contribute up to 15 hours per week which can count towards the 30 hours needed. The Mutual Self-Help Housing Program is designed to assist families who are unable to buy clean, safe housing through conventional methods.

Not only are the homes beautiful, as seen with this DreamBuilders home above, but the DreamBuilders process is a one-of-a-kind, life-changing experience.

What should you expect with the program?

  • Immediate equity upon completion of home
  • Financing provided by USDA Rural Development
  • Low-Interest Rates
  • Monthly payment based on what homeowners currently earn and family size
  • Low monthly mortgage payment
  • 33 – 38-year loan terms
  • A 2- or 3-bedroom home that fits your needs

Who can apply?

  • Applicants interested in building a 2 bedroom or 3 bedroom home
  • Applicants interested in living in the chosen area for the build (see below)
  • Applicants who are at least 18 years of age
  • Hard working families or individuals who want to build their own home
  • Applicants who want opportunities to build equity
  • Applicants who are gainfully employed and have a steady income
  • Applicants who are creditworthy (credit counseling services are available)
  • Applicants must not currently own a home
  • Applicants must be able to devote at least 30 hours per week of labor (no experience necessary)
  • Applications are evaluated on an individual basis
  • Applicants must meet USDA Rural Development credit and allowable debts

Where will you build?

 

Gallahad Loop Lot

Gallahad Loop

Gallahad Loop, Myrtle Creek, OR

Gallahad Loop Lot

Gallahad Loop

Gallahad Loop, Myrtle Creek, OR

Gallahad Loop Lot

Gallahad Loop

Gallahad Loop, Myrtle Creek, OR

Gallahad Loop Lot

Gallahad Loop

Gallahad Loop, Myrtle Creek, OR

Gallahad Loop Lot

Gallahad Loop

Gallahad Loop, Myrtle Creek, OR

 

Douglas County Income Guidelines for Mutual Self-Help Housing

Household Size Maximum Household Income
1 $30,650
2 $35,000
3 $39,400
4 $43,750
5
$47,250
6
$50,750
7
$54,250
8 $57,750

Are you interested and confident that you can commit to working at least 30 hours a week on your dream home? Fill out the interest form below and we will be in touch.

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