I've never been a fan of the Carter program but I've glad he is well.

[CK_John]

IMO, Habitat for Humanity, relies on free labor, leans hard on local business to supply lumber and hardware, and makes people jump through hoops and usually must be connected with an church, but Habitat for Humanity holds or controls the mortgage. It is a very low rate but it makes money and don't be late with the payment.

[TexasProgresive]

1. I learned a long time ago

that when people receive something for free they often have the opinion that it must be worthless.

[unc70]

2. Habitat owners do not receive houses for free

They put in a lot of their own effort.

On your other point, while many churches and other religious organizations are involved with Habitat, so are many secular groups. Two groups widely involved are local Boards of Realtors and Hone Builder Associations.

[BootinUp]

3. Like they say, everyone is entitled to an opinion.