Habitat for Humanity works in partnership with people in need to build affordable housing • The houses then are sold for fair market value and with little to no interest charged • Houses are built with a contribution of hundreds of hours of labor on the part of the homeowners and volunteers • By investing themselves in the building process, homeowners gain self-reliance, self-esteem and new skills • Their down payments and monthly mortgage payments are used to build more houses through a revolving Fund for Humanity.