Since 1985, Habitat for Humanity of Pinellas and West Pasco Counties has served over 850 families through its new home buyer and repair programs using locally raised funds. Volunteers and the future homeowners construct the homes, which are sold at no profit and financed with a zero-interest loan. Habitat homeowner candidates earn 30 to 80 percent of area median income. Candidates must demonstrate need for adequate shelter; ability to pay back a zero-interest loan and willingness to partner with Habitat to invest 350 to 450 “sweat equity” hours. Mortgage monies are used to build more homes, making each donation to Habitat a perpetual legacy to the community. Habitat believes that homeownership contributes to family stability, leading, in turn, to community stability. Additionally, the affiliate raises funds through their two ReStores; home improvement outlets where donated household and building items are sold to the public.