HOUSING · ISSUE 3 OF 4

The ZenniHome Contracts

What it is

22 candidates named the ZenniHome modular home contracts unprompted — the highest unprompted mention of any named topic in the 42 interviews. The contracts involved modular homes purchased at prices several candidates called excessive. Claims and findings are actively contested; no court, hearing body, or auditor has issued a verdict. This page reports documented events with sources and presents each side’s position.

Covenant note: This is an active, contested matter. The Diné Civic Center reaches no verdict. Read the case study; the judgment stays with you.

Learn

Understand the system — then consult an expert

The ZenniHome Case Study — documented timeline, both sides’ positions, sources cited, no verdict.

Fraud, Waste & Abuse 101 — definitions, reporting channels, and what oversight looks like.

The Five Lenses — how to evaluate a contested claim.

Consult an expert: Ask about housing contract oversight →

Plan & Assess

Where candidates stand — weigh it yourself

Housing — candidates side by side — what each candidate said about ZenniHome and housing contracts.

Ask any candidate: What do you know about the ZenniHome contracts, and what oversight would you put in place for future housing contracts? Full list →

Did they answer the question? →

Act

What you can do now

Report a concern: Housing contract concerns go to the Auditor General. Find the right door →

Request the record: Housing contract documents may be public under §2-§225. How to request → · What you can do now →

Report & Monitor

Track progress — hold the right office accountable

What should be public: Housing contract terms, vendor vetting records, and audit findings. What should be public →

Track: Housing survey → · Community Findings → · Share what you observe →

The court record — through July 2026

The chapters below are the documented record from court filings, sworn schedules, and state registries — events, not verdicts. No court or prosecutor has ruled anything wrongful.

The foreclosure (December 30, 2025). Bankruptcy-court filings show a $5 million all-assets loan from an outside California lender was assigned on December 5, 2025 to NZ Snowflake Private Lending, LLC, which foreclosed twenty-five days later — acquiring essentially all of ZenniHome's assets with a $3 million credit bid and no other bidders. The Bill of Sale was signed for the buyer by Robert Worsley, who had earlier signed company documents as ZenniHome's CEO; Arizona corporate records connect the "NZ" company family to the Worsley family. The ~20 units at the former Navajo Generating Station site in Page, leased from a Navajo Nation entity, were explicitly excluded from the sale — and no Navajo Nation names appear anywhere in the transfer record.

The bankruptcy (May 5, 2026). ZenniHome filed in Delaware 126 days after the foreclosure — inside the one-year window in which bankruptcy law scrutinizes transfers involving insiders. Its sworn schedules, signed by Worsley, list negative cash (−$4,331), zero inventory, zero receivables, and $34 million in liabilities. IDS+A's state lawsuit to recoup funds — which was actively seeking appointment of a receiver — was frozen by the filing. A separate supplier suit (ABC Supply, Maricopa County) names both the company and the Worsleys personally. A court order has since allowed NZ Snowflake to take physical possession of the purchased assets from the leased facility.

The two investigations. The Council's investigatory hearings run under Legislation 0174-25 (July 2025); a Special Prosecutor was appointed August 13, 2025. Both remain open. The Council frames its inquiry as fiduciary responsibility; the President's office states no money is missing and characterizes the narrative as election-driven. Both positions are official and on the public record.

The record so far — and what's still open

This section exists so you can see how far the public record reaches — and check it yourself. Everything above came from sources any citizen can access: the Delaware bankruptcy docket (cases 26-10676 and 26-10677), Maricopa County Superior Court records, the Arizona Corporation Commission's free entity search, the Council's official hearing releases, and the President's office's public statements.

What the record shows: the money's paths and amounts (sworn testimony, June 2026 hearings); the foreclosure chain and its signatures (court filings); the company's sworn financial state (bankruptcy schedules); and the President's on-video account (the interview record).

What remains open, as of July 14, 2026:

Who owns NZ Snowflake Private Lending, LLC — not found in Arizona's registry; a Utah registration is the working possibility. The certified state record would name its members and managers.
Whether the bankruptcy trustee moves to unwind the foreclosure — an adversary proceeding on the Delaware docket would be that step. None has been filed as of this writing.
Whether the Navajo Nation files a claim in the bankruptcy — the claims registers will show it if so.
The Special Prosecutor's findings — no timeline; nothing has been ruled.
The Controller's full accounting — the Controller told Council in April 2026 that his office receives conflicting information, complicating tracking. The fund ledger remains the document that would settle the $24 million's status.

Dated July 14, 2026. As these questions resolve on the public record, this page updates — each answer traced to its source, never ahead of it. If you check these records yourself and find something this page should reflect, tell us.

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