Habitat for Humanity of Monroe County, Inc (HFH) is a not-for-profit organization dedicated to eliminating the cycle of poverty by partnering with local families to build simple, decent, affordable housing. Families pay interest-free mortgages for their homes, which are built for a lower cost because of the use of volunteer labor and donations from the community. Families qualify for Habitat's home ownership program by meeting three basic criteria:-Need for housing-All families demonstrate that they are currently living in substandard or unaffordable housing and cannot qualify for another program or traditional home loan.-Ability to pay-Homeowners must be able to pay their affordable, 0% interest mortgage as well as their other expenses. Their income should fall between 25-70% of the area's median income.-Willingness to partner-Each adult who will live in the Habitat home is required to invest a minimum of 250 hours of sweat equity. Sweat equity includes taking mandatory home ownership