What do we do?

Connecting with and informing the community to provide workforce housing services, programs, training, and education. Our mission is to increase the quality and choices of housing in Red Lodge, provide the community with awareness of housing issues, and expand housing opportunities through training and education.

Our goal is to maintain the integrity and uniqueness of Red Lodge’s small-town culture and strengthen its economic well-being by influencing the housing environment to be more affordable, attractive, stable, and accessible for the local workforce. We strive to be efficient and knowledgeable, working with the community to remain a trusted partner and respected authority on housing issues. The Workforce Housing Steering Committee is comprised of lenders, realtors, insurers, builders, the City, businesses, and highly engaged volunteers who donate their time and expertise to partner with, NeighborWorks, Trust Montana, Helena Area Habitat for Humanity, the Home Center, Altana Federal Credit Union and other community forums to educate and take action on housing solutions.


Although there are many important housing needs to be addressed in Red Lodge, the Workforce Housing Committee identified through a Housing Needs Assessment that the most pressing concern is with the existing and future workforce. Our local workforce includes teachers, nurses, and service employees who make our wonderful resort town thrive. Without these people, our economy would not survive and our infrastructure would diminish.

SELF-HELP HOMES – We’re building new homes in Red Lodge

The Red Lodge Area Community Foundation’s Workforce Housing Steering Committee partnered with Altana Federal Credit Union, Helena Area Habitat for Humanity, and Trust Montana to build quality and efficient single-family homes for qualified people working in the Red Lodge Area. Homes are already under construction in the Spires lots on the west bench off Hwy 78, with more to come. 

Under the guidance of Helena Area Habitat for Humanity staff, qualified applicants are building their own homes, and the homes of their neighbors, with assistance from relatives, friends, and their community.  This Owner-Built Workforce Housing program is for anyone that has stable income, positive credit, and minimal debt. If you’re interested in building your own home and the homes of your neighbors, then this program may be for you. 

  • Acquire knowledge and skills in home maintenance and construction  
  • Home-buyer earns instant equity in their home by providing sweat-equity 
  • Develop lasting relationships with neighbors building their homes at the same time 
  • Interest rate when modified by payment assistance, can be as low as 1% 
  • Up to 33-year payback period, with a 38-year payback period for some applicants based on income 
  • Fixed interest rate based on current market rates at loan approval or loan closing, whichever is lower 



We use the following guidelines to evaluate each pre-qualification applicant, but additional factors may influence your eligibility.  Please contact us to discuss your individual circumstances. 

Skills: No construction or carpentry skills necessary. You’ll be taught all you need to know along the way.  

Income: Income Qualifications are set per HUD 2020 Area Median Incomes for Carbon County (see above Table). Because many factors determine a household income, you may be eligible even if your income exceeds the maximum. Applicants must exhibit steady and verifiable income for at least 1 year and work in the Red Lodge area. 

Credit History & Record: Credit is reviewed and evaluated on a case-by-case basis. Free financial counseling sessions are available to support applicants with their credit and homeownership preparation.  

Residency: U.S. citizenship or permanent residency is required. 

Time Commitment“Sweat-equity” is the time commitment that all households contribute to building their homes and the homes of their neighbors.  Contributing labor lowers costs and allows people to earn instant equity in their home. Commitment to 1 weekday evening 5:30 pm – 8:30 pm and 1 full-day Saturday every week are required for at least 1 years’ time and/or until all homes are completed and move-in ready. The weekday night chosen is mutually agreed upon by the build families. 


The first step is to fill out and submit a pre-qualification form. This is a short, pre-screening questionnaire that can be completed in a matter of minutes. From there, the form is reviewed and you’ll hear back to set up a meeting. 

Here’s how you can start your path towards homeownership: 

  • Fill out the pre-qualification form online (scroll down to bottom of this page)
  • You can also pick up a hard copy from the Red Lodge Area Community Foundation, or download and print Pre-Qualification Form PDF
  • If you fill out a hard copy of the form, please return it to Robin Adams at the Red Lodge Area Community Foundation by: 
    • Mail: P.O. Box 1871, Red Lodge, MT, 59068 
    • Emailrobin@rlacf.org 
    • In-Person: Drop off at the RLACF office: 122 Hauser Ave S, Red Lodge, MT 59068 

Questions? Contact Robin Adams (RLACF Workforce Housing Coordinator):  robin@rlacf.org  / Office: (406) 446-2820 / Direct: (406) 426-1983


If you’d like to get involved with the Housing Committee or to volunteer for housing initiatives, contact Robin Adams


Housing Needs Assessment

Housing Strategic Plan

Owner Built Workforce Housing Program Summary





Carbon County Electronic Pre-Qualification Form

Applicant Name

Co-Applicant Name

Address *
Street Address
Address Line 2
Have you lived or worked in Carbon County for 1 year or more? *
Are ALL ADULT HOUSEHOLD MEMBERS U.S. citizens or permanent residents? *
Have you ever filed for bankruptcy? *

Including applicant(s), how many people currently live in your household and would be part of your household if you were accepted into the program?

Please list all household members:

List ALL sources of monthly household income, including the income from all household members, regardless of age. List GROSS wages (before taxes and deductions). Sources include: Employment, SSI, SSDI/Disability, Child Support, Kinship Care, Retirement, Worker's Compensation, Unemployment, Etc.

Maximum upload size: 15MB
Are you currently paying for childcare? *
Do you have any elderly (62+) or disabled HOUSEHOLD members? *
Are you a veteran? *
How do you identify your race?

List ALL monthly debt payments, including but not limited to utility payments, auto loans, personal loans, credit card bills, medical bills, student loans, etc.

Maximum upload size: 15MB
To your knowledge, do you have any major credit delinquencies (past due payments or bills in collections)? *
Do you know your credit score? *
Are you using a credit app, such as Credit Karma or Mint? *
By selecting "I AGREE" and typing my name below, I affirm that the information on this form is true and correct. I understand that providing false information could cause me to be disqualified from the Mutual Self-Help Program. I also understand that I will receive a response to this questionnaire, and that it may take up to 2 weeks for my pre-qualification form to be reviewed and processed. I acknowledge that my receipt of a response to this form does not constitute additional services from Helena Area the Red Lodge Area Community Foundation. I understand that in no way am I being offered counseling services by submitting this form. *