Habitat builds, renovates and repairs homes in partnership with qualifying homebuyers in Lancaster and Lebanon Counties whose income is too low to qualify for FHA or conventional mortgages or loans. Homes are sold to participating families with a zero percent interest, affordable mortgage. Families are required to contribute sweat equity hours; this includes working on the build/repair site, taking financial literacy and home maintenance classes and entering a mentorship program. Habitat is not an emergency housing provider.