The General Assembly finds that: 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; homeownership has become less affordable over time because incomes have not kept pace with the rising costs of homeownership; self-help housing helps families of limited income to become homeowners, increasing their financial stability; families working together in groups to build their homes help to create stronger communities; and 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.