Using the results of the focus group and telephone interviews, chapter 10 described the challenges to housing development in Indian country, including land, financing, and other issues. The interviews also highlighted some of the efforts being made to address those constraints—for example, programs being developed through the Native American Housing Assistance and Self-Determination Act (NAHASDA)—and the issues raised in using NAHASDA assistance. Participants in the focus group and telephone interviews identified homeownership as an important tribal goal. This chapter presents a case study of the challenges to homeownership in the Navajo Nation and the ways in which the Navajo are responding to those challenges.