It works like this: nine or so families get together and do 60% of the construction on all their homes. They can't move in until the last house is finished. They're low or very-low income, with jobs like Walmart stocker, gun-maker, sheriff's deputy, and concrete-building maker. In return, they move in with about $50,000 in equity on their USDA mortgages.

Its called Mutual Self-Help Housing through USDA's Rural Development agency.

Shot in Somerton, Arizona, Epraim and Provo, Utah, and Kalispell, Montana in August 2012.

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