Our Solutions

Homeownership

Pouring the foundation for wealth creation

Solutions to Restore Home Ownership for the Working Middle Class

Reducing Cost to Build = Selling Homes Below Market +  Deed Restrictions to Ensure Homes Always Sell Below Market

PAHA is spearheading two unique home ownership programs dedicated to working middle-class households through:

Read about our newest project, Miracle on Britton

FEE SIMPLE HOMES
 (The Britton Blueprint)

•  Home and Lot Are Sold (FEE SIMPLE = LOT + HOME are    purchased)
•  For households earning around $86,000 to $123,000 annually    (90-120% area median income in Kootenai County)
•  Deed Restrictions Are Recorded with the Deed
•  Newly Launched in 2021 with Fannie Mae Certification

COMMUNITY LAND TRUSTS (CLTS)

•  Only the home is purchased by the buyer
•   Land is owned by a non-profit
•   For households earning around $60,000 to $85,000 annually      (60-89% area median income in Kootenai County)
•   Deed Restrictions run through a land lease to the home
•   Launched in communities across the country over the past 4     decades

Join us on our journey

Our Partners

What does data say about
home ownership?

70% want to own their own home.
30% prefer to rent.

What does data say about Community Land Trusts and Shared-Equity Fee Simple homes?

70% are first-time homebuyers.
60% go on to buy market-rate homes.
Individuals and families build wealth by earning a fair return and paying a mortgage instead of paying rent, while enjoying the stability of a steady monthly payment for as long as they live in the home.
Resulting neighborhoods lead to greater health, educational and employment outcomes for residents.
PAHA is proudly certified in Fannie Mae’s Shared Equity Program Platform, with certification identifier FM724-0106. This prestigious certification—through partnership with Grounded Solutions Network—enables mortgages on deed restricted homes managed by PAHA to qualify for sale on the secondary market.