For Andrew Michael Cochran, home is more than just a place—it’s a legacy. At just 23 years old, Andrew made the decision to build his own home through USDA Rural Development’s Mutual Self Help Program, following in the footsteps of his parents, who had done the same when he was a child.

Andrew was among 10 Montana families and individuals to receive loans in May 2024 under the USDA Rural Development Section 502 Direct Loan Program, which assists low-income applicants with obtaining decent, safe and sanitary housing in eligible rural areas.

Partnering with NeighborWorks Great Falls which administers a 523 Grant from USDA to provide guidance and support, these families committed to building 65% of their homes themselves, with the remaining 35% contracted.

The program isn’t just about building a home — it also helps participants build relationships and learn new skills. Andrew balances working night shifts while spending his days at the construction site.

“The most challenging thing for me since the start has been my inability to go out as much due to my night shift job – just trying to find the time and the energy to help,” he said. “On Wednesdays and Saturdays, we wait until everyone shows up before going over the game plan and splitting into groups.”

Andrew speaks fondly of the camaraderie developed among the group, saying, “It’s cool working with all types of people at the build and seeing them move up in their tool knowledge. Most of us now know how to read a tape measure correctly.” And the camaraderie continues to move-in day, as no one can move in until each of the homes in the group is ready.

Andrew credits the USDA Rural Development and NeighborWorks teams for their support throughout the process.

“The staff are helpful and communicate well about what needs to get done. Starting something new and hands-on makes me feel all warm and fuzzy inside,” he said.

Andrew said his motivation comes from the prospect of owning a home that he and his wife can call their own.

“What keeps me motivated is my wife and I get a house that we can start a family in,” he said. “Just getting out of an apartment and into something that’s mine and hers. Yes, it may be rough for a year and a half, but in the end, you get a house!”