Habitat for Humanity. People seem to shy away, thinking it's a free house program for the utterly destitute. Nope!

They put people in affordable homes, with a legit mortgage, who otherwise might be shut out of the market.

Ex-wife started us on the program. We worked it, and I'm typing this from my forever home, $600/mo. and paid off in a total of 19-years. No property tax, no mortgage interest, cost of the home is what you sign for. And it's brand new or totally gutted and redone. Most are new, appliances and all.

My credit was shit from medical debt, they don't even look. BUT, you have to make a payment plan with every creditor, and pay on time. They don't officially favor families, but I'm sure it helps. OTOH, old girl across the street got hers with her 85-yo momma.

We did 300-hours of classroom work and volunteering in the field. The Habitat Restore was our favorite Saturday afternoon. But we nailed and painted and laid sod as well. No, you don't build your own home, you build your neighbor's homes. Sodded and mounted my neighbor's lawn and mailbox! Neat!

I'll answer all I can, but programs vary from region to region. If you're truly interested, email me: blade runner blues @ gmail. (My DMs are all jacked up on Lemmy, and I won't see replies unless I remember to dig.)

Worst anyone can do is volunteer. I've never done such satisfying charity work. Call your local chapter!

And praise be to Jimmy Carter, blessing be unto him.