Homes for the Upwardly Mobile (A Home Buyers Club) is the
"Pre-incorporation" stage of the Prospective Homeowners Association
(A Mutual Benefit Society)


Upon the successful conversion at this stage, PHA will develop into a mutual benefit society
with it
's mission to exist forward in time as a homeowners association

After that stage, it will develop 2 Equity Co-ops: a Limited & a Market

Introduction to this Stage, by Gary R. Cook