The San Francisco Examiner from San Francisco, California • 48

PAGE 2 HAZ Aor 19 1981 S-F. Sunday Examiner 4 Chronicle J-r0' A iOV Left friends help on one of Oakland's new owner-built Ironies, "J00 I while, above, Tony Stevens and his son Jim, plaster the side of HEFgaF It-yourself homes bought in part f4 H3 Clf w.th "sweat equity." Ppigg- rxXl VTr III 3 i F. Sunday Examiner Chronicle Down payments of hard work Sillily 4II11li-lr 1IY1 Iti rnPi Mhlrkl III If II III I If fif lt accomplishment are evident. "The basic thing that Vm amazed with is that building a house is not that hard," said Bari Howard. "It just takes common sense, you follow directions and do one thing after the other." Pauline Evans, busy putting up insulation with two other women, added, "It makes me feel good.

I could just about nail a picture to the wall when I started and that was all but now 1 feel that if I can do this, I can do anything I set my mind to." for highway construction, for about one-third market value. The Howards and others heard about the project last year through the Oakland Neighborhood Housing Services, a nonprofit housing rehabilitation organization that administers the owner-built project "More than 300 families responded," said Kenneth E. Nunn, executive director of the organization. "Of these, 14 were chosen, primarily based on income guidelines of between S21.000 and $31,000, and their ability to put in the required hours." The concept of a coop building venture is not entirely oew. In the mid-TOs.

the U.S. Department of Agriculture financed about 100 owner-built homes for migrant farm workers in the coastal California community of San Luii Obtepo. Ken Nunn supervised that project and his expertise went a long uay towards convincing Oakland neighborhood groups, the city and the private lenders that owner-biuli bousing was feasible. In Nunn's view participation by the private lenders was the turning point which made the project go. Any widespread application of.

a concept such as owner-built housing has to be acceptable to the savings and loan industry for mortgage money. But the lenders were initially wary because the families were unskilled and the whole concept was different James Young, affirmative action loan officer for Santa Barbara Savings, said that his firm considered the loans a rtak, This was the first time something like this was done in aa urban setting with private financing," said Young. "There were no previous guidelines. But we think they're going to make it because of the energy of the families and the expertise of Oakland Neighborhood Housing Services." The organization is the official borrower of the fixed 11.75 percent mortgages until the construction phase is over. That way, another family can be substituted under the same terms should one fall by the wayside.

But five months after groundbraaking, not only has no one fallen by the wayside, the families are ahead of schedule Working in two groups, the Howards and the other families have learned to dig trenches, set foundations, pour concrete, frame, roof and lay insulation. Relatives and friends pitch in on occasion, and one grandmotherly woman regularly helps out her daughter and son-in-law. Often the families start on Saturdays with an instruction meeting where a professional contractor takes them through the theory of the upcoming work. Then they work with two skilled! construction supervisors who direct and correct the work. There is a lot of conversation and joking as the future neighbors work side by side on each other's homes.

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