The purpose of the study was to examine the Lynchburg Covenant Fellowship program in depth and speculate implementation in other geographical area. Various programs have been implemented at all levels of government as well as by private agencies in order to assist persons attain ownership. Some programs have met with problems while others have been deemed successful. The success of many low-income programs often has been attributed to the cooperation of private and public agencies working together.

Lynchburg Covenant Fellowship (LCF), a nonprofit organization located in Lynchburg, Virginia, has put together a joint venture combining public and private initiatives and investments which allowed each agency to perform in its specialized area. LCF along with four other implementers built homes to sell to low-income working families with a subsidy that insured their monthly mortgage payment would not exceed 25 percent of their income.

Descriptive statistics were used to analyze the homebuyers' questionnaire. The instrument showed that the housing categories (design, amount of space, cost, and maintenance), considered important by the homebuyers were satisfied and that the homebuyers were satisfied with their home. The intermediaries' questionnaire posed discussions of their specific role in the program and an assessment of the program.

The LCF Homeownership Program has been considered a successful program that could be implemented in other geographical areas to provide homeownership for low-income families.