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Community Frameworks’ Self-Help Homeownership Opportunity Program (SHOP) provides zero-interest, forgivable loans to affiliate organizations (nonprofit and public agencies) sponsoring sweat equity homeownership programs. SHOP funds may be used for land acquisition or infrastructure development to create affordable housing. SHOP loans are up to $15,000 per lot. Funds may be revolved back to the affiliate organization as revolving funds used to support future sweat equity projects or may be redirected to clients as second mortgages.

Affiliates are eligible to receive technical assistance from Community Frameworks to fill program planning gaps, financing, or other program and project needs. In addition, we offer annual workshops to help affiliates meet program and SHOP objectives. Click to see more photos

Community Frameworks received its first SHOP award in 1996. Our network of more than 40 SHOP Affiliates reaches across Oregon, Washington, Idaho, and Montana. We currently receive more than 30 applications a year helping to fund some 240 sweat equity homes annually.

Click to see more photos The self-help program model is designed to provide a means by which low income households can become successful homeowners who are actively involved in the betterment of their family’s prospects. SHOP affiliate programs include 523 grantees, Community Land Trusts, Acquisition Rehab, and non-523 Self Help. Some affiliates require family and volunteer labor contributions to take place in a group build where everyone works on each others homes, while others may allow families to work on their own homes without being a part of a building group.