Habitat for Humanity of Winchester-Frederick County (HFHWFC) builds, rehabilitates and repairs safe, secure houses with the help of homeowners, known as partner families, volunteer labor, and donations of money and materials. Often, skilled personnel such as masons and carpenters are employed for specialist jobs. Habitat houses are sold to partner families at no profit and are financed through affordable long-term loans. Mortgage lengths vary from 10 to 30 years. Monthly mortgage payments go into a local revolving fund to be used to build still more Habitat homes. In short, Habitat for Humanity is not a “giveaway” program. In addition to that, families invest hundreds of hours of their own labor – “sweat equity” – into building their Habitat house and the houses of others. Additional “muscle” for construction comes from volunteers. Volunteers hail from corporations, churches, schools, among other organizations. Your financial support, your voice and your time will help HFHWFC build strength, stability and self-reliance through shelter today!