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Habitat for Humanity is a nonprofit, Christian housing ministry operating in 1,679 affiliates throughout all 50 states, the District of Columbia, and 92 countries. It challenges people to provide the initial capital, through gifts and no-interest loans, to build or renovate simple, decent homes for persons who are inadequately sheltered. Construction is a cooperative venture between volunteers and home buyers. Houses are sold at no profit with a no-interest mortgage repaid over a 15 to 25 year period. The house payments are recycled to build more houses. Habitat publishes a free bimonthly newsletter, Habitat World.