Our goal is to end substandard housing. We accomplish this by building houses with donated funds and volunteer labor. We sell the homes at fair market value with an affordable mortgage to families who are qualified for the program and who have earned or completed their sweat equity. Principle payments are used to build more homes.  Our process starts and ends with families.  Our family selection committee works hard to select families that have a demonstrated need, ability to pay back the affordable mortgage, and a willingness to partner with Habitat and the community.  This search is perhaps the most important thing we do, and is rigorous and complete.  Once a family is selected, we have a family support committee that assists the family throughout the building process and the duration of the loan, which may be 30 years.  Our Building committee builds the house with input from the family. Donated materials and volunteer labor along with the low-interest loan make a quality house very affordable.