How Habitat Works

A nonprofit, Christian housing ministry that believes that every man, woman and child should have a decent, safe and affordable place to live.
We build and repair houses all over the world using volunteer labor and donations.
Our partner families purchase these houses through no-profit, no-interest mortgage loans or innovative financing methods.

Through volunteer labor and donations.
Homeowners invest hundreds of hours of their own labor into building/renovating their Habitat house and the houses of others.
Habitat houses are sold to partner families at no profit and financed with affordable loans.
The homeowners’ monthly mortgage payments are used to build/renovate still more Habitat houses.

Families in need of decent shelter attend a Home Ownership Information Session, during which information will be distributed on the process of the Program
The affiliate’s family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the loan.
Every affiliate follows a nondiscriminatory policy of family selection.
Neither race nor religion is a factor in choosing the families who receive Habitat houses.

We rely on gifts from individuals, corporations and other groups to fund our house-building mission worldwide. All donations of any amount are deeply appreciated and help us build more decent, affordable houses with more families across the globe. Donate Now »
Habitat’s most recent IRS 990 is available online.