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Mutual Self-Help Housing Clinch-Powell RC&D and USDA Rural Housing Who is Clinch-Powell RC&D? We are a community development organization, serving Claiborne, Grainger, Hancock, Hawkins and Union Counties Our board of directors includes three people from each county

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mutual self help housing

Mutual Self-Help Housing

Clinch-Powell RC&D and USDA Rural Housing

who is clinch powell rc d
Who is Clinch-Powell RC&D?
  • We are a community development organization, serving Claiborne, Grainger, Hancock, Hawkins and Union Counties
  • Our board of directors includes three people from each county
  • Claiborne Board Members: Dennis Shipley, Joyce Hopson and Joe McNew.
clinch powell home team
Clinch-Powell Home Team
  • Promotes affordable single-family homeownership in our service area.
  • Counseling- homebuyer and delinquency
  • Renovation loans
  • New construction
accomplishments so far
Accomplishments so far
  • Provided housing or delinquency counseling for over 200 individuals.
  • Made $60,000 in renovation loans
  • Built 21 homes and renovated an apartment complex
  • Leveraged roughly $1,288,000 in federal and state funding to the area.
contact information
Lindy Turner- Director

Chris Osborn- Program Manager

Stephanie Wesson- Counselor


7995 Rutledge Pike

P.O. Box 379

Rutledge, TN 37861


Fax: (865)828-5212

Toll Free:


Contact Information
what is mutual self help housing
What is Mutual Self-Help Housing?
  • A process by which a group of 5 or 6 families work together to build each other’s homes, saving significant costs towards the price of the home.
what are the benefits to the homeowner
What are the benefits to the Homeowner?
  • Financing for the property will be through low-interest loan programs from USDA or the Tennessee Housing Development Agency
  • Other incentives may apply, farther reducing the cost of the home.
how much will be saved
How much will be saved?
  • Homeowner will save up to $30,000 on the cost of the home.
  • Homes will be worth between $120-129K
  • Homes will cost participants $90-96K
other benefits of the program
Other Benefits of the Program
  • Applicants will gain valuable construction experience.
  • Applicants will have up to $30,000 in equity in their homes.
  • Applicants will receive financial and homeownership training.
  • Income Guideline- 80% area median income.
  • Some income, low debt, acceptable credit
mutual self help housing13

Mutual Self-Help Housing

Construction process

construction process
Construction Process
  • 3 groups of 5-6 families will work together to build their homes.
  • The sites will be primarily in Misty Meadows Subdivision off Cave Springs Road, but may include nearby sites as well.
  • Home will be inspected to lender’s requirements
construction process15
Construction Process
  • Each family will put in 20 hours a week of construction during the building process.
  • Building will occur under the supervision of a license contractor
who does the work
Who does the work?
  • Any adult member of the household can help with the work.
  • Substitutions are allowed only when the homebuyer in physically unable to complete the work.
mutual self help housing17

Mutual Self-Help Housing

Getting the loan

getting a loan
Getting a Loan
  • Before qualifying for this program, all participants must have an approved loan.
  • Approval for a loan requires acceptable credit, some income and little debt.
  • We will help applicants get qualified.
how does the process work
How does the process work
  • The homebuyer gets pre-approved for a loan.
  • The homebuyer is accepted into the program.
  • The homebuyer meets with Construction Manager to discuss what they want and which house to build.
  • The homebuyer closes on the loan.
how does the procedure work
How does the procedure work
  • Clinch-Powell will draw down the amount of the loan to purchase the property. At that point, the property will belong to the homeowner.
  • As the home is constructed, Clinch-Powell will purchase the materials or services necessary, then charge the homeowners account. The homeowner will sign off on each draw off their account, so they will always know what is being spent.
  • Winter of 2008- get program in order. Qualify first group of participants.
  • Spring 2008- begin construction, work on qualifying second group.
  • Fall 2008- finish first group of houses, begin second group.
  • Spring 2009- finish second group, begin third group.