Sun Country Home Solutions

What Sun Country Home Solutions does

Sun Country Home Solutions is a 501(c)(3) nonprofit housing organization operating as a doing-business-as of NeighborWorks Mountain Country Home Solutions, headquartered in St. George, Utah. Founded in 1994 and operating for more than 30 years, the organization is a HUD-certified housing counseling agency and a chartered member of NeighborWorks America. It serves low- and moderate-income households across southern and rural Utah, providing one-on-one housing counseling, foreclosure-prevention support, homebuyer education, and reverse-mortgage counseling, alongside direct development of affordable single-family and multifamily rental housing.

The organization's business model combines nominal fee-based counseling (rental counseling $35, homebuyer education $45, foreclosure prevention free, reverse mortgage $110) with affordable housing development funded primarily through grants, donations, and institutional partnerships. The CROWN lease-to-own program, delivered in partnership with Utah Housing Corporation, provides a rental-to-purchase pathway for income-qualified households. Active development projects span Sage Villas (51 units, Ivins), Central Park Station (59 units, Provo), a 4-unit senior project in Orem, and scattered-site lots and homes in Tropic, Escalante, Enoch, Kanab, Springdale, and Richfield.

Performance metrics indicate strong unit economics in counseling delivery: 1,300+ families counseled in 2020, 347 housing units created (152 directly + 195 via partner organizations), a 72% loan-modification success rate compared with a 39% national average, 90%+ retention in homes after counseling, and a 75% conversion rate from homebuyer education to purchase. Capital and operating support flow from NeighborWorks America, HUD, Utah Housing Corporation, the Federal Home Loan Bank, the State of Utah, Garfield County, and a roster of banks including Ally, American Express, Central Bank, and Wells Fargo. No AI/ML capabilities, proprietary technology platform, management team, headcount, or audited financials are disclosed.

Name

Sun Country Home Solutions

Legal name

NeighborWorks Mountain Country Home Solutions

Website

https://suncountryhomesolutions.org

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Sun Country Home Solutions is a 501(c)(3) nonprofit providing HUD-certified housing counseling and affordable housing development for low- and moderate-income households across rural southern Utah, operating for more than 30 years.

Ownership category

akta.pro rank

Product category

Affordable Housing & Counseling Services

NAICS

Community Housing Services (62422), Other Community Housing Services (624229), Services for the Elderly and Persons with Disabilities (62412)

SIC

Services-Social Services (8300)

akta.pro industry

PRIMARYBPAGALAC

Affordable Housing & Community Development (Housing, Community Land Trusts)

Business & Public Services/Nonprofit, NGO & Social Services/Social Enterprises & Impact Organizations

SECONDARYFSALAKAM

Housing Counseling, Foreclosure Prevention & Loss Mitigation Programs

Financial & Insurance/Mortgage & Housing Finance/Housing Finance Agencies & Government-Sponsored Housing Programs

SECONDARYFSALAIAG

Reverse Mortgage Counseling & Consumer Education (HUD-Approved)

Financial & Insurance/Mortgage & Housing Finance/Reverse Mortgages

SECONDARYBPAIANAA

Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing)

Business & Public Services/Public Sector & Government Administration/Housing, Urban Planning & Community Development

SECONDARYFSALAKAL

Rural, Tribal & Special-Population Housing Programs

Financial & Insurance/Mortgage & Housing Finance/Housing Finance Agencies & Government-Sponsored Housing Programs

Keywords

• HUD housing counseling
• Affordable housing development
• Homebuyer education
• Foreclosure prevention counseling
• Workforce housing solutions

Headquarters

HQ city

Saint George

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. HUD-Certified Housing Counseling Services: Fees for counseling services including rental counseling ($35/household), homebuyer education ($45), foreclosure prevention (free with $20 credit check fee), and reverse mortgage counseling ($110 plus $39 document fee).
2. Rental Income from Affordable Housing Properties: Revenue from rental operations across multiple properties in Utah communities serving families at 50-80% area median income.
3. Donations and Fundraising: 501(c)(3) nonprofit organization receiving donations from individuals, corporations, and foundations including Diamond, Platinum, Gold, and Silver tier donors.
4. CROWN Program - Lease-to-Own Housing: Program enables qualified individuals to lease homes at affordable rates while earning financial credit towards eventual purchase. Families build equity over 15-year rental period.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Sun Country Home Solutions (a DBA of NeighborWorks Mountain Country Home Solutions) delivers HUD-certified housing counseling services — including homebuyer education, financial and budget counseling, foreclosure prevention, reverse mortgage counseling, and rental counseling — alongside the development of affordable rental and rent-to-own housing (CROWN Program) and multifamily workforce housing projects across southern and rural Utah.

Product overview

Sun Country Home Solutions (a DBA of NeighborWorks Mountain Country Home Solutions, a 501(c)(3) nonprofit and chartered member of NeighborWorks America) operates a platform of HUD-certified housing counseling services combined with affordable housing development. The counseling services include Homebuyer Education, Financial and Budget Counseling, Foreclosure Prevention Counseling, Reverse Mortgage Counseling, and Rental Counseling — each delivered by HUD-certified counselors. The housing development side includes single-family home development under the CROWN Program (rent-to-own through Utah Housing Corporation), multifamily workforce housing four-plexes, and larger townhome projects like Sage Villas (51 units in Ivins) and Central Park Station (59 units in Provo). Together, these services and housing products aim to transition renters into homeowners, prevent foreclosures, and expand affordable workforce housing across southern and rural Utah.

Differentiator

Problem solved

Functional benefit

Products and services

• Homebuyer Education HUD-certified homebuyer education class covering the home-buying process, mortgage loans, ongoing ownership costs, money management, debt management, credit improvement, and predatory lender awareness. Targeted at prospective first-time and low-to-moderate-income homebuyers.
• Financial and Budget Counseling HUD-certified budget and finance counseling in which a certified counselor helps clients identify ways to improve their financial situation, review current budgets, and develop plans to pay off bills and build savings, using the MyCreditPlan tool to support credit goals.
• Foreclosure Prevention Counseling HUD-certified foreclosure intervention counseling that helps struggling homeowners work with loan servicers on sustainable modification programs. Offered at no charge (plus under $20 credit report fee).
• Reverse Mortgage Counseling HUD-certified reverse mortgage counseling for clients aged 62+ covering features, potential costs, budgeting, and responsibilities of reverse mortgages. Counseling is required by HUD prior to obtaining a reverse mortgage from any lender. Fee is $110 plus a $39 document fee.
• Rental Counseling HUD-certified rental counseling that helps renters understand tenant rights, landlord requirements, rent affordability, credit improvement, debt reduction, and affordable housing options. Fee is $35 per household.
• CROWN Program (CRedits to OWN) A rent-to-own housing program administered through Utah Housing Corporation (UHC) that enables qualified individuals to lease homes at affordable rates while earning financial credit toward eventual purchase of the home. After a 15-year rental period, a portion of rent paid increases equity in the home, reducing the loan amount at purchase.
• Multifamily Workforce Housing Multifamily rental housing including four-plexes and townhome complexes. Units serve workforce families at various income thresholds (50%, 55%, or 80% of area median income).
• Sage Villas (Ivins) A 51-unit townhome project located in Ivins, Utah, providing a mix of market-rate and workforce housing that meets income restriction guidelines.
• Central Park Station (Provo) A 59-unit development in Provo, Utah, consisting of 4 one-bedroom units, 33 two-bedroom units, 16 three-bedroom units, and 6 four-bedroom townhomes, with covered parking, a tot lot, bike racks, a raised-bed vegetable garden, exercise facilities, and on-site storage.

Quantifiable outcome

• 90%+ of families counseled stay in their homes after receiving services
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Utah Housing Corporation (UHC)coreStrategic or Co-development Partner · 1 January 2021Administers the CROWN Program (CRedits to OWN) enabling qualified individuals to lease homes while earning credit towards purchase. Sun Country purchased building lots through this program.
• NeighborWorks Mountain Country Home SolutionscoreStrategic or Co-development PartnerParent organization. Sun Country Home Solutions is a DBA of NeighborWorks Mountain Country Home Solutions, a 501(c)(3) nonprofit and chartered member of NeighborWorks America. Provides community services and housing solutions in southern and rural Utah.
• NeighborWorks AmericacoreStrategic or Co-development PartnerNational network organization. NeighborWorks Mountain Country Home Solutions is a chartered member providing vital community services.
• US Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerHUD-approved counseling agency. Organization is owned by NeighborWorks Mountain Country Home Solutions, a HUD approved counseling agency with certified HUD counselors.
• State of UtahcoreStrategic or Co-development PartnerSupporting organization working on housing solutions for Utah families.
• Utah Association of RealtorsminorStrategic or Co-development PartnerSupporting organization providing real estate industry partnership.
• Garfield CountycoreStrategic or Co-development PartnerRural county partner. County Commissioner Jerry Taylor serves as board member. Project work in Tropic for workforce housing.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Others

• National Foundation for Credit Counseling (NFCC): National network of HUD-approved credit and housing counseling agencies. Functionally comparable as an ecosystem/network enabler for HUD-approved counseling agencies like Sun Country, though organized as a membership/credentialing body rather than direct service provider.

Direct peers

• Local Initiatives Support Corporation (LISC): Community development financial institution supporting affordable housing and resident services in rural and urban markets. Operates a similar nonprofit/CDFI model combining lending, development, and capacity-building for local partners.
• Housing Assistance Council: National nonprofit focused exclusively on affordable rural housing, providing technical assistance, training, and lending for community-based housing developers. Directly comparable mission and rural affordable housing development focus.
• Money Management International: HUD-approved housing counseling agency providing pre-purchase, foreclosure prevention, and reverse mortgage counseling nationwide. Directly comparable HUD-certified counseling service model with comparable fee-based revenue structure.
• Rural Community Assistance Corporation: Nonprofit serving rural communities across 13 western states with affordable housing development, water infrastructure, and community facility financing. Directly comparable rural-focused affordable housing nonprofit with federal/state funding model.
• Habitat for Humanity: National nonprofit that builds affordable homes for low-income families, partnering with HUD and NeighborWorks-style networks. Directly comparable as a 501(c)(3) affordable housing developer with homebuyer education, sweat-equity pathways, and a similar rural/small-market footprint.
• HomeFree-USA: HUD-approved national housing counseling nonprofit offering pre-purchase, foreclosure prevention, and financial coaching. Comparable HUD-certified counseling agency model with comparable fee-based and grant-funded revenue mix.
• Enterprise Community Partners: National nonprofit developer and CDFI focused on affordable rental housing, homeownership counseling, and community development using LIHTC and bank financing. Comparable model combining housing development with counseling/financial services.
• ClearPoint Credit Counseling Solutions: HUD-approved housing and credit counseling agency serving consumers nationwide. Directly comparable as a HUD-certified counseling provider with foreclosure prevention, homebuyer education, and reverse mortgage counseling offerings.

Broad incumbents

• NeighborWorks America: Sun Country's parent network. NeighborWorks America is a national umbrella of 240+ HUD-certified housing counseling and affordable housing nonprofits, providing charter status, training, and grant funding - directly comparable operating model at network scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sun-country-home-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sun Country Home Solutions