The Green Equity Builders System
One reason that many people either cannot afford a house or, paradoxically, eventually have their lives torn apart by the financial demands of trying to own one, is the enormous on-going cost of homeownership in our "modern" society. Between the mortgage interest debt load, homeowner's insurance, real estate taxes, utilities expenses, home maintenance repairs, landscaping costs, and building codes compliance, contemporary homeownership has gone from being a socially-sanctioned way of building equity in real estate to yet another cashflow ripoff by The System. The recent Sub-Prime Mortgage Meltdown, created by loosened regulations on the financial services industry, effectively obliterated 25-40% of the value of all homes in the US and, thereby, robbed every single American of their hard-earned home equity savings.
The other major obstacle has been the ever-growing down payment required to purchase the ever more expensive average single family home. Considering the tightening job market and falling wages caused by Economic Globalism, plus the rapidly rising costs of a college education, many young people enter their family-formation years with a mountain of unpaid student loan debt, the beginnings of a mountain of credit card debt, one or two low wage service sector jobs, and no viable prospect for amassing the down payment on a house. Combine this with the high probability of an extended period of unemployment at some point in the years ahead, and this next generation finds itself in a high-risk economic environment that is averse to long-term, secure homeownership. Unless something drastic changes in the near future, these young people will be faced with the prospects of lifelong serial home rental.
Our Green Equity Builders System is our solution to this dilemma: a do-it-yourself solar homebuilding system that allows people to build the components for their home over a long-term period that comfortably fits their time, money and lifestyle situation. At every step of the DIY construction process, these people are acquiring 100% equity in their new home and avoiding the mortgage debt trap that has been set for them. Once all of their house shell components are ready for assembly, then they can request assistance with on-site assembly to create a dried-in structure. The dried-in structure will then be ready for plumbing, electrical, HVAC, and other systems to be installed as time & money become available. Again, the process is under their control, they own their home 100% at every stage of construction, and at the end of the process they have a modest solar home of their own that cannot be foreclosed on by a mortgage lender!
It is our hope that this system can evolve into a not-for-profit DIY homebuilding co-op where like-minded people can gather to assist each other with their homebuilding projects. A sort of modern Amish community barnraising model that could be repeated almost anywhere by almost anyone. There is a huge difference between financial exploitation & mutual empowerment, and we strongly believe in the people power & value of mutual empowerment. If it sounds too complicated for you, then take a look at the DIY panelized construction model's steps below and decide for yourself if you could manage it with a little help from your friends.
Panelized Construction System
Modular Construction System