Is Habitat for Humanity Worth It?

[Udoka Omenukor]

I may qualify for habitat for humanity but I don’t know if it’s worth it. Here’s how it works and y’all chime in (btw, I am in the beautiful, great state of Texas if that gives you an idea of laws and reg) How HFH works is you apply, qualify and if you do, you Work 250 to 300 hours at their home-depot-knockoff thrift store and building houses. When you finish this, you Get a home depending on your need (you don’t get to choose a 2 bedroom just because, they pick for you). You need to live in this home until it’s paid in full (no renting out) and you can’t sell it to anyone other than HFH until after a 10 year term. Homes seem to be valued at $80-$100k. You pay 0 down and your mortgage will be no more than 1/3 of your income (you must have the same low income until after closing). And please correct me if I’m wrong, but the loan is half the valuation of the house, Right? Also 0% interest. Is all of that worth it when there are SETH options (low down payment options) + FHA loans out there? Should I spend 300 hours on my business (not my job because 300 times my hourly isn’t enough to get a good house deal) which could bring in more money at an undetermined time?