Habitat homeowner Jarvia Robinson paints her kitchen pantry door. HFH is a hand up, not a handout: Homeowners must demonstrate ability to repay their low-cost mortgage. Additionally, they contribute hundreds of hours of sweat equity and attend classes including construction, landscaping, and financial management. This house is nearing completion, so Jarvia and her family are excitedly looking forward to the day they finally get the keys. I won't be there for the ceremony, but I'm glad I got to be a small part of their journey home.