Habitat for Humanity International builds, rehabilitates and repairs simple, decent houses with the help of homeowner (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 home partner families at no profit and are financed through affordable long-term loans. Their monthly mortgage payments go into a local revolving fund to be used to build still more Habitat homes.