HFHO believes homeownership provides strength and stability for families. With the help of volunteers and generous donors, HFHO builds decent and affordable homes that provide a solid foundation for people to build better, healthier lives in the Okanagan. Habitat owners volunteer up to 500 hours and pay an interest –free, affordable mortgage – geared to their incomes – to buy their home. The affordable mortgage payments go into a revolving fund that allows HFHO to build more homes and provide more people with affordable homeownership opportunities. Affordable homeownership helps to bridge the gap between social housing and rental housing with market housing. Because the gap is too big for families to manage on their own, Habitat is the bridge that makes it possible. Affordable homeownership helps break the cycle of housing insecurity and instability.