We work with families whose total income is between 30% – 80% of the area median income. Families are accepted to the Habitat program based on their need, ability to pay a zero percent interest mortgage, and their willingness to partner. Applicants must be residents of Bexar County or Guadalupe County. Once accepted, program participants are eligible to buy a home from Habitat with a 15 – 25 year zero percent interest mortgage. Families spend hundreds of hours investing in “sweat equity,” where they support and help build their own home and the homes of their neighbors. Monthly mortgage payments are as low as $900, including taxes and insurance.