How It Works
So how does Habitat for Humanity accomplish these amazing goals? This nonprofit's success rests on a foundation of empowering people to get on their feet and then give back themselves as much as possible so more people can benefit. In this way, Habitat for Humanity is a community itself — people volunteer and those that benefit contribute as well so there is a uniting bond between everyone who has helped or who has been helped by the organization; everyone gives a helping hand.
How the process works is first families are selected to become partner families, based on need, willingness to become a partner, and ability to repay loan money. They have to commit to several hundred hours of volunteer work themselves. Homes are not simply built for someone, nor given away for free. They are built through the united effort of volunteers and homeowners, and they are paid for by the partner families/homeowners themselves.
The partner families have to put down a down payment and make mortgage payments, paying back the money that was used to build their house. What's missing from the equation is profit. No one makes money in this process. There is not interest on the loans. In fact, resources, including the mortgage payments, are only used to make more homes for other people. It is a revolving, flowing, positive network.