People in our community and all over the world partner with Habitat for Humanity to build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers. We call this “sweat equity”. Because much of the labor on the homes is volunteered, Habitat homeowners can pay back an affordable mortgage at zero percent interest over a reasonable term. These homes are meant to be a “starter home” to bring a family out of rentals, apartments or other marginal living conditions and give them a sense of ownership and community.
It is not a handout, it’s a hand up.
Homeownership provides a lasting, meaningful outcome for this and the next generation. A decent home gives these families the strength, stability and independence they need to create a better life for themselves.