The non-profit explained to attending families the criteria that would need to be achieved to possibly receive a zero percent interest mortgage loan to build the foundation to becoming a homeowner. Those three criteria include a need for a new home if one currently lives in sub-standard housing that resulted in people paying more than thirty percent of their income for housing costs. They also must fall within the required income ranges while demonstrating an ability to pay, and have a willingness to help with other Habitat for Humanity projects or inside the Re-Store. They say this program is important for Allen County as dozens of families have already received new homes.