The General Assembly finds that:
(1) homeownership is a stabilizing factor for communities and families and is the best way for families of limited income to build equity and move out of poverty;
(2) homeownership has become less affordable over time because incomes have not kept pace with the rising costs of homeownership;
(3) self-help housing helps families of limited income to become homeowners, increasing their financial stability;
(4) families working together in groups to build their homes help to create stronger communities; and
(5) there have been three successful federally financed self-help programs in the State, and modeling a State self-help ownership program on a well-tested federal program will increase homeownership opportunities for families of limited income across the State.