Habitat for Humanity of Wausau builds houses using volunteer labor and funds raised from the support of local businesses, churches, individual donors and fund-raising events. These houses are sold a tno profit and no interest to a partner family chosen through a nondiscriminatory selection process. Partner families become 'Habitat Homeowners' after they have completed the required number of sweat equity hours. A small down payment is required, and the interest-free mortgage is held by our affiliate. Homeowners are required to make monthly mortgage payments which include home insurance. It should be noted that families are also paying municipal real estate taxes on their homes.