Builds homes using volunteer labor and local resources, and sells them to qualified home buyer families with 0% interest mortgages, at no profit. Future Habitat homeowners are determined by completed applications that include verification of employment, bank balances, public assistance, rental history, and credit references. Applicant information is confidential. Habitat homes are completed from 6-18 months after the family is selected. The completion date depends on Habitat's fundraising success and volunteer availability, and home buyer family's readiness. Habitat cannot guarantee the home will be built in the community of buyers' choice. Location depends on the cost and availability of lots.