Habitat for Humanity is an ecumenical Christian housing ministry. Habitat affiliates work locally in communities around the world to select and support homeowners, organize volunteers, and coordinate house building, targeting families who earn 30-60% of median income. HFHMO partner families are chosen after a careful review process during which Habitat assesses their need for housing; their ability to repay a zero-interest, no-profit mortgage; and, their willingness to partner with Habitat through sweat equity. All partner families are first-time homebuyers who earn 30-60% of the median income for Franklin and Licking Counties and currently live in substandard housing. Every partner family must perform a minimum of 200-250 hours of sweat equity, which includes working on their own house and those of other Habitat families, attending homeownership classes, and providing Habitat program support. Every family also assumes a no-interest, no-profit mortgage with payments based on family income. Because HFHMO holds and services these mortgages, Habitat has a long-term relationship with the homeowners and the communities in which they live.