Fact: Habitat for Humanity offers homeownership opportunities to families who are unable to obtain conventional house financing. Generally, this includes those whose income is 30 to 50 percent of the area's median income. Additionally, they contribute 300 to 500 hours of "sweat equity" on the construction of their home or someone else's home. Because Habitat houses are built using donations of land, material and labor, mortgage payments are kept affordable.

Fact: Low-cost housing studies in the United States and Canada show affordable housing has no adverse effect on other neighborhood property values. In fact, Habitat houses have increased property values and local government tax income.

Fact: Habitat builds houses in partnership with those in need—regardless of race, religion or any other difference—who meet three criteria: need; ability to repay the no-interest, no-profit mortgage; and a willingness to partner with Habitat. According to the latest available statistics for Habitat for Humanity International (in the U.S. and through 1997), 33 percent of Habitat homeowners are Anglo; 67 percent are people of color.

Fact: Habitat operates through locally governed affiliates with a strong emphasis on grassroots organizations and local autonomy. Habitat affiliates are independent, nonprofit organizations that operate within specific service areas in a covenant relationship with Habitat for Humanity International.

Fact: While some Habitat homeowners receive Aid to Families with Dependent Children (AFDC), many more are working people. Typically their annual income is less than half the local median income in their community.

Fact: Habitat for Humanity is a Christian organization. However, homeowners are chosen without regard to race, religion or ethnic group, in keeping with U.S. law and with Habitat's abiding belief that God's love extends to everyone. Habitat also welcomes volunteers from all faiths, or no faith, who actively embrace Habitat's goal of eliminating poverty housing from the world.

Fact: Habitat for Humanity is not an arm of the government. Habitat is an independent, nonprofit organization that accepts some government funds and other resources to help provide houses for those in need. We accept these funds as long as they do not limit our ability to demonstrate the love and teachings of Jesus Christ. Additionally, our local affiliates insert specific guidelines as needed to avoid becoming dependent on or controlled by government funds.

Fact: Habitat was started in 1976 in Americus, Ga., by the late Millard Fuller and his wife Linda. President Carter and his wife Rosalynn (whose home is eight miles from Americus, in Plains, Ga.), have been longtime Habitat supporters and volunteers who help bring national attention to the organization's house-building work. Each year, they lead the Jimmy Carter Work Project to help build houses and raise awareness of the need for affordable housing.