Habitat for Humanity is of course the international organization that does a great job of providing affordable housing for working poor families. The vehicle is a sweat equity program in which members of the community and the ultimate purchasers of the home work together. The loan is at 0% rate of interest.
An friend of mine had a constructive criticism of the program with which I agree. Groups now have to pay significant sums of money for the privilege of working on a house. This leaves out small groups and well intentioned individuals who cannot pay these fees. I am sure this program has raised huge sums of money for Habitat, but it has lost a little of its charitable purpose. The corporate world has taken over this program just like it has everything else. Written by Paul Dribin