We provide a community cooperative that serves as an intermediary between banks & families. The cooperative aids families in establishing credit by saving to a community account. We provide education on topics from how to manage a checking account & a home loan. We aid in home design. The home loans are cross collateralized by the members, dramatically reducing risk of default. Once a family has saved a 10% down payment, we provide families with the materials, logistics, & training to build each others homes. This sweat equity with the 10% down payment creates a 40-50% loan to value ratio, further reducing the risk of the loan. Our patented building material is fast & easy to use, is engineered to withstand earthquakes & hurricanes, is energy efficient, & will last for generations. This provides the bank an asset it can use as collateral. Our model opens a new market for banks by reducing risk & provides families with credit & an affordable home.