With 90% of Habitat home owners in 44 cities saying they could not have owned a home without the help of Habitat for Humanity, they are clearly making a huge impact on society. Habitat of Berks County Pennsylvania offers a First-Time Home Buyer Program to individuals and families that may not qualify for a traditional mortgage. These potential buyers participate in up to 45 hours of financial education in addition to the time spent working with Habitat on the construction of theirs and other people’s homes. It’s a great organization that is helping people build better lives.