Manufactured Housing in Rural America

 

Manufactured homes are an often overlooked and maligned component of our nation’s housing stock, but these homes are an important source of housing for millions of Americans, especially those with low incomes and in rural areas. Although the physical quality of manufactured housing continues to progress, the basic delivery system of how these homes are sold, financed, and managed is still in need of improvement to ensure that they are a viable and quality source of affordable housing.

Building homes together in America’s “most rural state”

As part of National Homeownership Month, we’ll be highlighting stories from across our network participating in the U.S. Department of Housing and Urban Development’s (HUD) Self-Help Homeownership Opportunity Program (SHOP). HAC provides loan funds to self-help housing providers to help low- and moderate-income families achieve their dreams of homeownership. The homebuyer family must contribute a significant amount of sweat-equity towards the construction of the dwelling. Loan funds are awarded through a competitive application process. If the organization meets certain requirements, up to 90% of the SHOP loan may be forgiven. The forgivable portion may become a grant for the group to establish its own revolving loan fund for future site acquisition and development of self-help housing or to provide direct subsidies to participating homebuyer families.

Community Concepts staff and supporters celebrate the completion of news self-help units in 2019

Community Concepts staff and supporters celebrate the completion of news self-help units in 2019

Following the 2010 Census, Maine was dubbed “the most rural state” with 61.3% of its residents living in rural communities. Homeownership is common among Mainers, with 71.5% of all units being owner-occupied. Though poverty rates in Maine are lower than the national average (13.5% vs. 15.1%), the state has higher rates of residents receiving income through Social Security, Supplemental Social Security, and Public Assistance making it challenging for many to qualify for a mortgage.

Community Concepts, Inc., based in Lewiston, Maine, got its start in 1965 as part of federal legislation that created a network of Community Action Agencies. Community Concept’s programming focuses on the “whole family”, addressing the needs of parents and their children with programs like Head Start, fuel assistance, weatherization programs, and self-help homeownership. In 1991, HAC provided a planning grant to Community Concepts to help initiate the self-help homeownership program at the organization. “Since that first grant, we’ve completed 350 self-help home ownership opportunity, including new construction and a purchase/repair program we added 10 years ago,” shared Sandy Albert, Director of Housing Improvement Services.

The organization sees a lot of overlap in the clients it serves and that is intentional. “We have family development coaches that are working with families,” says Albert. If a family of renters comes to the agency looking for help with fuel assistance the coach will also ask if they’re interested in becoming a homeowner. The coach will then refer the family to other programs in the organization that can help them pursue homeownership or, if necessary, help build their credit.

One of those families, the Hoyts, achieved their dream in May 2012. Working together with five other families, the Hoyts learned valuable construction skills as they worked on their home. Through their sweat-equity, each family saved as much as $20,000 on the cost of their home. In a letter shared by Community Concepts, Eric Hoyt wrote “This is not a house that you’re building it’s a home, and it’s a heartfelt build. With a lot of meaning that goes into it. There is a lot of hours and tears and fears but through them all when you walk through the door and you say look at what we have. When you look at what you and your team has accomplished it makes it that much more a home.”

Albert credits the program’s success and impact to Community Concept’s partnership with HAC. “Without the funding through SHOP, many of our buyers would not qualify even with the sweat-equity,” said Albert “those families wouldn’t be where they are today.”

50 Years, 50,000 Homes

A Half Century of Self-Help Housing Across Rural America

This edition of Rural Voices, “50 Years, 50,000 Homes,” celebrates the construction of the 50,000th self-help home to be built with USDA support and the achievements of the nonprofit sponsors, the USDA programs, and most importantly, the families who have become successful homeowners.

A Half Century of Self-Help Housing Across Rural America

Download a pdf version of Rural Voices
50 Years, 50,000 Homes

This edition of Rural Voices, “50 Years, 50,000 Homes,” celebrates the construction of the 50,000th self-help home to be built with USDA support and the achievements of the nonprofit sponsors, the USDA programs, and most importantly, the families who have become successful homeowners.

Views from Washington

Successful Federal-Local Partnerships
by U.S. Representative Harold “Hal” Rogers

Local partners help USDA housing programs make meaningful impacts to the lives of local rural residents

Neighbors Helping Neighbors Build a Better Life
by U.S. Representative Sam Farr

A program that helped create the real American Dream for over 50 years.

With Many Dedicated Partners, USDA Helps 50,000 Families Achieve the American Dream
by Secretary Tom Vilsack

USDA Secretary Tom Vilsack discusses USDA’s Self-Help Housing Program.

FEATURES

So Much Progress, So Much Left To Do!
by Peter Carey

A simple concept still holds promise in a complicated housing world

Looking Back: The Beginnings and Evolution of USDA’s Self-Help Housing Movement
by Bob Marshall

Early efforts in rural California became a Self-Help Housing model for the nation

Building Forward: Self-Help For All
by Russell Huxtable

Let’s build on fifty years of history and expand this life changing program!

Self-Help Housing Changed Our Lives
by Noelle McKay and Stefanie Kompathoum

Families share their experience with the Self-Help Housing Program

An Emerging Self-Help Leader
by Mi’shell French

Discusses personal growth and sustaining the momentum through Self-Help Housing

Self-Help Housing and “SHOP” in the Rio Grande Valley
by Nancy Hanson

HUD’s Self -Help Homeownership Opportunity Program helps make self-help building sites affordable

Technical Assistance is the Essential Ingredient to Self-Help Housing
by Suzy Huard

USDA’S Section 523 Technical Assistance Grants make Mutual Self-Help housing possible

Expanding Service in Michigan’s Upper Peninsula
by Mike Shimon

A local Habitat for Humanity provider reaches more families using the USDA Mutual Self-Help program

Neither Wind, Nor Rain…Can Stop a Determined Self-Help Provider
by Linda Smith

A local nonprofit is up to the challenge when disaster strikes twice.

Additional Content

Celebrating 50 Years of helping families help themselvesCelebrating 50 Years of helping families help themselves.(8.5″ X 11″ printable pdf)

Celebrating 50 Years of helping families help themselves.(25.5″ X 11″ original document)

Rural Voices would like to hear what you have to say about one, or all, of these issues. Please feel free to comment on this story by sending a tweet to #RuralVoicesMag, discuss on the Rural Affordable Housing Group on LinkedIn, or on our Facebook page.