Habitat is not a giveaway program. Habitat houses are affordable for low-income families because there is no profit included in the sale price and no interest charged on the mortgage. Mortgage length varies from seven to 30 years. Families in need of decent shelter apply to local Habitat affiliates. 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 no-interest 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. An ecumenical board of directors determines policy and oversees and guides the mission of Habitat for Humanity International. Explore the international work of Habitat for Humanity.