Abstract
The government has invested substantial time and money in encouraging homeownership, and, over the last 30 years, in directly encouraging homeownership among lower-income households. Despite these efforts, the impact and satisfaction of the U. S. Department of Agriculture Section 502 Mutual Self Help Housing Loan Program (MSHP) borrowers remains largely unstudied. This study contributes to the existing literature by directly assessing the satisfaction of MSHP participants in Utah. This is qualitative research interested in capturing in-depth information about the challenges, benefits, and shortcomings of the program; skills learned by the participants in the process of building their home; and recommendations to improve the program. Five main themes emerged from the data: 1) participants were given access to homes that were previously unaffordable, 2) the program increased human capital, 3) the program increased social capital, 4) the program had some weaknesses, and 5) participants believed the process was difficult, but altogether worth it.
Published Version
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