MUTUAL SELF-HELP HOUSING
Red Lodge Area Community Foundation and the Workforce Housing Steering Committee is proud to announce a partnership with Helena Area Habitat for Humanity and Trust Montana to offer ”Mutual Self-Help” (MSH) homes to qualified individuals and families in our community. The houses will be built in the Spires subdivision on the west bench just off Hwy 78 beyond golf course housing.
Under the guidance of Habitat construction staff, participants build their own homes with the assistance of their relatives, friends, and other community volunteers. This Mutual Self-Help program is for low to moderate-income individuals and families determined to own their own home. RLACF and Habitat staff assist homebuyers through the entire process by helping them access financing, then providing construction training and guidance through the building phase.
BENEFITS OF MUTUAL SELF-HELP
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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 are needed. We will teach you everything you need to know. Families and Individuals will be guided through the construction process by Habitat’s competent construction staff.
Income: Must be less than 80% of the HUD Median Income in Carbon County (see income qualifications right). Because many factors determine adjusted annual income, you may be eligible even if your income exceeds the maximum allowable income. Applicants must exhibit steady and verifiable income for at least one year.
Credit History: Credit is reviewed and evaluated on a case-by-case basis (if you don’t have a credit report, come in and we’ll get a free one to review together).
Residency: U.S. citizenship or permanent residency is required.
Time Commitment: The sweat equity individuals and families put into building their home serves as the down payment. All participating families contribute 65% of the labor building their homes. This equals at least 30 hours per week from the homebuyer household, their friends and other volunteers for the duration of construction. For example, a household with 2 able-bodied adults could have 1 person spend 3 hours/week on a weeknight and both adults could spend 7 hours/week each Saturday (14 hours) totaling 17 hours/week. The balance of 13 hours/week could be build-time contributions from friends, other family members or community volunteers – bringing the total to 30 hours/week. Substitutions for Saturday build days are possible if there is a conflict with work schedules and it’s known in advance.
HOW TO APPLY…
If you have any questions regarding this program, please, contact Theresa Whistler: firstname.lastname@example.org / (406) 446-2820
Connecting with and informing the community on workforce housing opportunities through services, programs, training and education. Our mission is to increase the quality and choices of housing in Red Lodge (particularly for low-to-moderate income households), provide the community with awareness of housing issues, and expand their 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 working class. We hope to be efficient and knowledgeable, working with the community to remain a trusted partner and respected authority on housing issues. Thanks to the Workforce Housing Steering Committee (Lenders, Realtors, Insurance, The City, Businesses and highly engaged volunteers who have donated over 1000 hours of their time and expertise. For the last several months, the Workforce Housing Steering Committee has partnered with the Beartooth Front Community Forum, NeighborWorks, Trust Montana, the Home Center to educate and take action to work towards solving this issue.
Although there are many important housing needs to be addressed in Red Lodge, including housing for seniors and disabled, the Workforce Housing Committee identified through a Housing Needs Assessment that the most pressing concern is to provide for the existing and future workforce. Our local workforce includes teachers, nurses, and service employees who make our town the wonderful resort thrive. Without these people our economy would not survive and our infrastructure would diminish.
We have a home that is ready for sale to our Red Lodge workers such as nurses, teachers, service industry employees. The home is located at 311 Cooper is NEW 1478 Sq. ft., 3 Bedroom/2 Bathroom. The sale price using the Community Land Trust Model is $180,000. Features include Energy Star Appliances- stove, dishwasher, refrigerator, microwave, off street parking, storage shed, upgraded insulation, 200 amps electrical and a fencing allowance.
One of the main tools for maintaining affordable housing is placing lots into a community land trust (CLT) so that the land value doesn’t increase beyond the affordability of our work force. A community land trust concept is essentially you own the home and Trust Montana owns the property. Though this does put some restrictions on your home you still receive the benefits of the amenities of being a home owner, opportunity to make the property a fit for you, control of space, and increased equity with all improvements you have made in the property. Learn more about Community Land Trusts and the success that it has had in other communities.
If you’d like more information or want to get involved contact Valentine Smith
Carbon County Connect is led by representatives from Red Lodge Fire Rescue, Riverstone Health, Beartooth Billings Clinic, OP&WE Edwards Foundation, and St. Vincent’s Mountain View Clinic. The leaders have been collaborating different perspectives and resources to create a plan of action to produce the greatest impact possible.
For more information please contact Therese