HOPI TUTSKWA SUSTAINABLE HOMEOWNERSHIP PROGRAM
Thank you for your interest in our Sustainable Homeownership Program! We are partnering with Community Rebuilds to aid income-qualifying families in building affordable and ENERGY-EFFICIENT PASSIVE SOLAR HOMES. We provide assistance during all stages of the build. We provide low interest rate loans and supplying stamped architectural plans free of cost. Check out our floorplan here: During the build we manage the build process and budget, and we provide a labor force of volunteer student interns. After construction is complete we provide our families free consultation in home maintenance and repair. We've created an AFFORDABLE HOUSING PROGRAM by taking several steps to reduce the cost of construction: we offer families low interest rate loans; we recruit volunteer student interns to complete the bulk of the construction labor; we stick to a simple architectural plan for each build, thereby limiting architectural and engineering costs; and we use as many recycled and donated building materials as possible. With this structure, we reduce the cost of construction greatly. Our homes cost $50,000, but would cost almost double without our services, particularly in a region where housing costs are high. And because we've chosen insulative straw bale as our main building material, we are able to significantly limit future heating and cooling costs, continuing the affordability of our homes long after they're built. With this program we build affordable housing for the community and provide valuable EDUCATION AND SKILLS IN NATURAL BUILDING to every person involved: homeowners, interns, HTPI staff and volunteers. Our interns spend 5 months working under licensed contractors and under the direction of our expert natural building instructors. They build a home from foundation to finish in five months. We offer this type of education free of cost. In these ways we work to improve our community.
The information below provides guidelines and how the application process works. We will assist you through every stage of the application process. We look forward to hearing from you!
DO YOU QUALIFY?
- DEMONSTRATION OF NEED -
You must fall below the Low (80%) Income Limits of the area median family income based on the US Department of Housing and Urban Development (HUD) criteria:
EMPLOYMENT AND RESIDENCY -
One member of the family must be a full-time employee and must have at least 2 years of employment history in their community. In addition, applicants must currently live and work on the Hopi Reservation for the past 12 months.
- ABILITY TO REPAY DEBT -
Applicants must be income and credit approved during a loan pre-qualification process.
- DOWNPAYMENT/CONTRIBUTION -
If approved for the Homeowner Program and are prequalified for a Hopi Tutskwa Home Construction Loan, applicants must contribute a 3% downpayment.
- VOLUNTEER -
If approved, homeowners must be willing to contribute 205 hours in the construction of the home.
1) COMPLETE THE HOMEOWNER APPLICATION
Families need to fill out and submit all documents in order to have a complete application. The process will take 2-3 weeks to review all of the completed applications and to interview prospective families. Please contact the office below - via phone or email - for an application.
2) SUBMIT REQUIRED DOCUMENTS
The family must present a package of required documents to verify income
3) LOAN PRE-QUALIFICATION
If you are approved as a Homeowner you are eligible to apply for a Home Construction Loan from Hopi Tutskwa Permaculture & Community Rebuilds. This 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. Your repayment of this loan is critical to the growth of this program and the growth of our community. Please contact the office below - via phone or email - for an application.
4) INTERVIEW WITH HOPI TUTSKWA PERMACULTURE
Families must first decide if the our program is right for them. The family must consider if the new home will satisfy their needs, agree to the design of the home, and agree that the construction process and timeline are acceptable. Participating families are ultimately confirmed by the Hopi Tutskwa Permaculture Institute Selection Committee.
Hopi Tutskwa Permaculture Institute
PO Box 967
Kykotsmovi, AZ 86039
Contact: Jacobo Marcus, Program Coordinator