Mutual Self-Help Homeownership
No down payment is needed. No construction experience is needed. CHIP’s Mutual Self-Help program is designed to help you achieve the dream of affordable homeownership. Since 1981, our program has helped 2,000 new homeowners build their own homes. Our expert staff will guide you through the entire process. Are you ready to start your journey?
Program Highlights & Requirements
- No construction experience is needed.
- No down payment is needed.
- Decent credit is required. Not sure about your credit? We can help.
- Household income at or below 80% of the Area Median Income (AMI).
- Must demonstrate repayment ability.
- First-time homebuyer or have not owned a home in the past three years.
- Plan to live in the home as a primary residence.
- Possess a willingness to attend group meetings and to work cooperatively with other participants towards the common goal of homeownership and community.
Active Developments
These affordable neighborhoods are coming to life.
Orland Park Estates Subdivision
Located South of HWY32 and East of Hambright Ave., Between Davis St., Orland, CA 95963Total Lots: 64
Available Lots: 0
ViewGet notified when a new development becomes available.
Let’s keep you informed and help you find the right neighborhood.
Completed Developments
Take a look at our recently completed neighborhoods.
Benson Estates
Orland, CACompletion Date: 2020
Number of Homes: 33
Stonefox Subdivision 1
Corning, CACompletion Date: 2020
Number of Homes: 23
Baywood Subdivision
Chico, CACompletion Date: 1991
Number of Homes: 34
They did it. So can you.
Owning your home is truly empowering.
It’s really enjoyable when you start from the ground up. In the end you feel a lot of pride, all the work that’s gone in, and not just into your home, but everyone’s home that you helped build.
You don’t just get a really good interest rate and a house where you get to raise your family, but you also learn a new trade and you meet people you’re going to be surrounded by for the rest of your life.
How to Become a Homeowner
- REACH OUT – When we connect, we’ll talk about your current needs and help you navigate any hurdles. There is a lot we can do to get you ready to pursue homeownership.
- APPLY – Find the right neighborhood and apply. If you have any questions or concerns, don’t forget we are here to help.
- START YOUR JOURNEY – You’ll be grouped with 6-8 other homeowners and you’ll build together under the direction of CHIP’s experienced construction staff. You’ll complete all of the homes together (typically 14-18 months).