I realize every day that living in the Florida Keys is a blessing. The well known phrase “If you are lucky enough to live by the sea, you are lucky enough.” is true. Well, if you are lucky enough to own a home in the Florida Keys, you are very very lucky. When not selling real estate in the Florida Keys, I serve on the board of directors at Habitat for Humanity of the Upper Keys. I enjoy supporting and working with this wonderful community organization. The Upper Keys chapter of Habitat for Humanity is building homes in Key Largo and Islamorada in the Florida Keys. This non-governmental and non-profit organization helps select families who could not otherwise afford a home, get into a home. This is accomplished through a tremendous group community effort where the selected family actually works at the construction site to build the home. This is known as “sweat equity”. A minimum of 500 sweat hours is required for the family to contribute. In most cases, the lucky families do so much more. Many building materials are offered to the organization at cost, below cost or even donated by local businesses in the community. Construction services are also donated. Members of the community of the Upper Keys gather on Saturdays and weekends, and work on the home construction. Other Upper Keys community members donate funds that go directly towards the house construction. Thru community land grants, lower building material costs and donated time and labor, the cost of a house is reduced and made affordable to a qualifying lucky family in need. The family pays a down payment and receives a no-interest mortgage. No families are given a free home, they are merely given the opportunity to own an affordable home. Families who are able to enjoy home ownership, have a better life and a brighter future. They make better Florida Keys citizens. Families that own a home in the Florida Keys are lucky indeed.