We build simple, decent, affordable houses for families whose income is between 30% and 60% of the area median income. Homes are not given away, but are purchased by low-income, hard-working families who contribute at least 250 hours of sweat equity, through building their own home, other Habitat houses, or volunteering in the local community. Homeowners pay monthly mortgage payments to HFHMCI which are then used to build more homes.