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HOW IT WORKS

Habitat for Humanity of Orange County has built more than 140 homes in the past 20 years for families in need.

Families pay $1,000 in closing costs. Habitat provides a zero-interest mortgage of about $67,500, which families pay monthly: About $450 per month goes to a revolving fund that the agency uses to build more houses.

Families have to invest 325 hours of labor, or "sweat equity," in the building of their own house and others.

HABITAT FOR HUMANITY OF ORANGE COUNTY'S WEB SITE: WWW.ORANGEHABITAT.ORG

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