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Affordable Homeownership

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.

Applications Closed Magnolia Meadows (Corning)

Magnolia Meadows (Corning)


Total Lots: 53

Available Lots: 0

Applications Closed Parkside Grove

Parkside Grove

Anderson, CA

Total Lots: 19

Available Lots: 0

Applications Closed Paradise Mutual Self-Help Program

Paradise Mutual Self-Help Program

Paradise, CA

Available Lots: 0


Get notified when a new development becomes available.

Let’s keep you informed and help you find the right neighborhood.

Get Notified

Completed Developments

Take a look at our recently completed neighborhoods.

Benson Estates

Orland, CA

Completion Date: 2020

Number of Homes: 33

Stonefox Subdivision 1

Corning, CA

Completion Date: 2020

Number of Homes: 23

Baywood Subdivision

Chico, CA

Completion Date: 1991

Number of Homes: 34

They did it. So can you.

Owning your home is truly empowering.

How to Become a Homeowner

  1. 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.
  2. APPLY – Find the right neighborhood and apply. If you have any questions or concerns, don’t forget we are here to help.
  3. 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).
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