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SHOP: LENDING & CONSULTING SERVICES
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  Community Frameworks' Self-Help Homeownership Opportunity Program (SHOP), funded by annual grants from HUD, provides zero-interest, forgivable loans to nonprofit organizations and public agencies sponsoring sweat equity homeownership programs in Washington, Oregon, Idaho, and Montana. SHOP loan funds, at an average of $15,000 per lot, may be used for land acquisition or infrastructure development to facilitate the creation of affordable housing. SHOP funds may be revolved back to the affiliate organization upon sale of each housing unit to support future sweat equity projects or may be redirected to clients as subordinate mortgages.

Community Frameworks has administered SHOP funding and associated capacity-building technical assistance in support of over 40 SHOP Affiliates throughout the Northwest since the program's creation by Congress in 1996. Those SHOP Affiliates include USDA-RD Mutual Self-Help Housing grantees, Public Housing Authorities, Community Land Trusts, NeighborWorks members, Community Action Agencies, and other nonprofit organizations serving a wide variety of communities and offering a diversity of sweat equity program models for acquisition-rehab and new construction.

Sweat equity, or self-help housing, involves homebuyer and volunteer labor in new construction or the renovation of existing homes, thereby reducing purchase costs and providing a means by which low-income households can achieve homeownership and build financial assets. Well over 3,000 homeownership opportunities have been developed as a result of Community Frameworks' SHOP financing, in turn strengthening the communities where those SHOP-funded properties are located.
 
 
 
Images on these pages showcase the pride of Community Frameworks, our SHOP Affiliates, and the homebuyers assisted – images of shared effort, a sampling of the quality homes built or renovated, and the positive outcomes achieved.
  Copyright © 2015 Community Frameworks - All rights reserved All images provided by Community Frameworks or their Affiliate organizations.