Housing America Corp (HAC) is located in Somerton, Arizona and provides the Self-Help Housing program. The USDA Mutual Self-Help program is a home buyer program that provides assistance to very low and low-income individuals and families willing to build 65% of their own house. While building their house, participants earn the sweat equity equivalent of up to 10% of the house value, making homeownership affordable. Each participant is placed in a group of 10 to 12 other participants who work together to build each other’s houses. Participants are required to attend homeownership education classes and commit to 40 hours of construction labor on weekends. Generally, two participants work 10 hours per day each. An onsite Housing America Corporation Construction Supervisor will train participants for each construction phase. Construction of the houses takes approximately 10 to 12 months to complete. Participants can move in once all houses for the whole group are completed and inspected by a USDA Rural Development representative.