Tierra Del Sol Housing Corporation (TDSHC) was founded in 1973 with a mission to improve quality of life in rural New Mexico by empowering persons economically, politically, and socially through homeownership, employment training, and access to financial resources. The organization has evolved from self-help housing and farm labor rental housing to include senior congregate housing, supportive housing for elderly and disabled persons, LIHTC limited partnership housing, and affordable homeownership in urban neighborhoods. They have expanded into major subdivision and real estate development across their service area.
TDSHC offers comprehensive homeownership services including a Self-Help Housing Program where families participate directly in construction of their own homes, pre-qualification and pre-purchase counseling, homebuyer education classes, post-purchase and credit counseling, and a Homeownership Preservation Program designed to help homeowners avoid foreclosure through loss mitigation options and HUD-standard housing counseling. They also provide financial services and microenterprise support for small business development in rural communities, with loans ranging from $1,000 to $250,000 at competitive interest rates with flexible terms (1-20 years).
What distinguishes TDSHC is their deep roots in rural New Mexico and their integrated approach combining affordable housing development with financial literacy and business support. Their self-help housing model emphasizes sweat equity and community participation rather than traditional development. They serve a specific geographic focus (Doña Ana, Luna, Hidalgo, and Otero counties) and have demonstrated 50+ years of continuous operation in underserved rural areas that larger lenders typically avoid.
As a non-profit with limited geographic service area, TDSHC's reach is inherently restricted to rural New Mexico. Their application process requires in-person visits to their Las Cruces office, which may be inconvenient for distant applicants. While they offer legitimate housing counseling and financial services, consumers should verify current program availability and specific loan terms directly, as website details on interest rates and current programs are limited.
