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Habitat for Humanity International is at work in 100 countries worldwide. Through autonomous local affiliates in every state of the United States, every province of Canada, and in communities around the world, Habitat for Humanity builds and renovates simple, durable houses with people who otherwise could not afford decent shelter.
Habitat is not a giveaway program. Habitat homeowners are selected on the basis of need, willingness to partner with Habitat, and ability to repay a modest monthly mortgage. Future homeowners invest sweat equity in helping to build their own homes or the homes of other future Habitat home partners. Then, they buy the homes through a no-profit, zero-interest mortgage. This interest-free mortgage, combined with volunteer labor and simple designs, keeps houses affordable for those with low incomes. Monthly payments go into a local Fund for Humanity to help build more houses.
Habitat for Humanity International and its North American operations are headquartered in Americus, Georgia, where the organization started. Area offices are in San Jose, Costa Rica; Bangkok, Thailand; Pretoria, South Africa; and Budapest, Hungary.
