Through volunteer labour, efficient management and tax-deductible donations of money and materials, Habitat for Humanity builds and rehabilitates safe, decent and affordable houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families at no profit and are financed with affordable, no-interest mortgages. The homeowners' monthly mortgage payments go into a revolving fund, which is used to build more homes. 

Habitat for Humanity is a hand up, not a hand out. In addition to mortgage payments, each homeowner invests hundreds of hours of their own labour, called "sweat equity”, into the building of their home and the homes of others.