Affordable housing takes more than funding. It takes people willing to put in the work, alongside the organizations building it. Jane's presence at the build site connects her day-to-day role helping clients with financing to a hands-on effort to build the homes themselves. Habitat for Humanity affiliates like the one in Laramie County rely on volunteers to keep build costs manageable for the families who move in. When a mortgage loan officer shows up to help construct a home, not just finance one, homeownership stops looking like a single transaction and starts looking like a shared effort, built by hand as much as by paperwork.