I went to try to get a loan for a house at my bank. Habitat for Humanity is a non-profit, ecumenical, Christian organization that partners with families in need of better housing to build simple, adequate houses. Families are screened through an application process that assesses need for better housing, ability to pay, and the willingness to partner. Each family contributes 500 hours of work or sweat equity as part of the Habitat partnership. Habitat fulfills its partnership by providing materials and expertise to build the house.
Volunteers provide most of the labor, which reduces the cost of the house.
Homeowners then pay back the entire cost of the house over 15 to 20 years with a no-interest loan. Carol replies, I go to church with my mother. There are people there who will help. And my boss has said he will do whatever he can to help me get a house. With the ease of long experience, Mary Ann anticipates questions Carol might have.