A nonprofit ecumenical Christian housing ministry, Habitat for Humanity builds simple and affordable homes in partnership with those in need of decent housing. Habitat sells houses to qualified families at no profit with zero-interest mortgage loans.

Through volunteer labor and the donations of money and materials, Habitat builds and renovates simple, decent houses for people who make between 30%-80% of the area’s median income. All partner families must be employed and meet credit guidelines in order to qualify. In addition to a closing costs and a monthly mortgage, they are required to invest 250 hours of sweat equity in their home and in the homes of other partner families. Houses are sold at no profit with a zero percent interest, 20-30 year term loan, with payments at 28% or less of their monthly income.