$40,000 from last years Dream Auction was used towards the construction of the triplex on East Hill that was built by Habitat for Humanity and on Saturday, the families officially took ownership.

But this was not just a hand out. The families had to put in 500 hours of 'sweat equity' and they will have a mortgage to carry.

Habitat has offered a no-down-payment, non-interest bearing mortgage at fair market value to the families who could not afford to get on the property ladder any other way. Families pay about one-third of their income toward the mortgage.

Glory Westwell, Habitat's North Okanagan chairperson, said many families applied for the homes, and each was thoroughly screened to determine the best candidates.