I strongly believe in Habitat for Humanity.
I know when a family works hundreds of hours toward their sweat equity they develop home ownership of the home, they learn their home from the inside out, they work their butts off to build a house that becomes a home.
I believe that as they make house payments they feel a sense of rightness, that they are paying back what help they got plus some, etc....
A Habitat branch starts out with nothing and can rely on the community for donations of land, structures, monetary donations for supplies, etc...to start up. Once they get a family they start building or rehabbing an existing home. They use the supplies/donations they have a get going on that first home. Once that home is built, usually at little or no cost, the family starts making a monthly payment and that money is funneled in to building another home for another family. It rolls along, the more that are helped the more that can be helped.
A potential home owner family applies to the program. A person from the Nurture committee calls them back and does a preliminary application on the phone to see if they even qualify. They have to have a stable income where about 30% can be put towards home ownership. That includes house payment, insurance, repair fund, utilities, etc...all aspects of owning a home. Once the Nurture Committee decides the family fits the criteria of a potential family they present the family application to the Board for approval. They discuss any concerns the committee may have such as an abundance of over due bills, lack of strong credit, etc...they may make some plans at that time to add some credit counseling classes that can be offered to the family head so they can learn new skills, they would count those class hours towards their sweat equity too if they choose to take them.
The Board and Nurture Committee work alongside the whole family to help them to be able to own their own home. The family is expected to make a regular house payment. At the time of the finishing of the house the Board meets and tally's the bill for the house costs. Every nail, screw, board, piece of sheet rock, etc...is counted . The total cost of the house is sometimes not the sale price although in a lot of HfH branches it is. They make no profit off the sale of the houses. In some areas of the country the sale of a house, if it is way below the cost of the other houses can cause the value of the other homes to go down and that is not the goal of Habitat. They want the value of the whole neighborhood to go up due to having nicer homes.
In each branch the Board makes the determination of the sale price of the home. The family starts making payments to the HfH branch and that money is used to build another home. It becomes larger and better able to help more and more families.
I support Habitat by volunteering to sort and handle plea letter mailings, I donate refreshments at the work sites, I take snacks and drinks to the workers, I go and work for families I like or feel like they need some more family to help build their sweat equity hours, each person that signs in as their family can contribute part of their hours for the family of their choice. I also can donate materials and sewing skills to help make curtains for their windows, I can take workshop classes on how to paint and not make a mess, how to hang sheet rock sideways, I can help by teaching some basic nutrition or cooking classes to the parents so they can make healthier meals for their families, I can do all kinds of things that don't require me to bang a hammer although if that's what they need they have taught me how to do that with out making holes in the walls too....lol.