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Step 1: Initial Eligibility Requirements

Thank you for your interest in building with Hopi Tutskwa Permaculture. We have two main requirements for initial eligibility for our program. Applicants must have lived in the community they are applying in for at least two years and must be low or very-low-income. Deductions may apply, so if you are above the limit and still struggling to afford a home, go ahead and complete steps 1-3 to find out if you could be eligible.


NOTE: Currently, we do not have future dates set for building in the Hopi Community, but will still accept homeowner applications for when we are able to move forward with future projects. 

Click here to see the Hopi Reservation Navajo County income limits per Housing and Urban Development Guidelines.

Step 2: Review Homeowner Guide

If you meet the income requirements, the next step is to review our Hopi Tutskwa Permaculture Homeowner Guide. This document walks you more thoroughly through how our application process works, provides information on our loan options, outlines what to expect while participating in the program, and what to expect after your home is complete. 


Step 3: Apply 

If you read through the Homeowner Guide and feel the program is a good fit, you are encouraged to submit the Pre-Qualification Application and Participation Agreement. Once you return these two documents, you will officially be considered an applicant. Applicants are then prioritized based on the date in which these materials were submitted. Submitting an application is not a binding agreement, and applicants can withdraw their application at any time.



Step 4: In-person Meeting

Hopi Tutskwa Permaculture will review your application materials and will set up a time for an in-person meeting with the Program Director to help you prepare for when your turn in the queue arrives. Depending on the number of applicants on our list, and the time of year you apply, we may not be able to set up a meeting immediately.

Step 5: Loan Application

Once your turn in the queue has arrived, Hopi Tutskwa Permaculture will work with you to qualify for an appropriate loan product. Many of our homeowners qualify for the Hopi Tutskwa Reciprocal Loan Program. This is a low-interest community loan that will cover the cost of materials to construct the home. This loan is made possible through a revolving loan fund. Every dollar paid back is reinvested into the community and makes it possible for another family to build a home. The repayment of this loan is critical to the growth of this program and the growth of our community. If you can get a loan through a local lender, we will help you navigate this process as well.

For either option, Hopi Tutskwa Permaculture will need a packet of various loan documents to verify employment, credit, and ability to repay debt. 

Step 5: Build

Once you have received eligibility for the loan, you're in the home stretch. The next steps include approving building and site plans, participating in a first-time homeowner course, and of course – building your home through Hopi Tutskwa Permaculture's Sustainable Housing Program. We will be with you every step of the way!

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