![A completed Habitat home.](https://cdn.firespring.com/images/199f16c8-2a5f-4941-9f60-ecad624c472a.jpeg)
Since its inception, Pickens County Habitat originated and serviced all homeowner mortgage loans “in-house” – a very tedious process. After the 2008 recession and subsequent changes in mortgage lending laws, Pickens County Habitat decided to outsource the organization and servicing processes, strengthening the affiliate-family relationship.