Habitat for Humanity of Chester County (HfHCC) brings people together to build homes, communities and hope." HfHCCs program serves those who would not be able to afford a mortgage by conventional means. Each home is sold to a low-income family using an HfHCC no-interest 30-year mortgage for the full purchase price of the home. Habitat homeowners are carefully selected based upon three criteria: the need for decent, affordable housing, the ability to repay the mortgage loan, and the willingness to partner with Habitat by participating in our sweat equity program. We require 200 to 400 hours of sweat equity from our applicant families as part of their eligibility for Habitat homeownership.