productive agricultural area, there is an astonishing quantity of inadequate, if not hazardous housing. The people who provide the source of labor for the agricultural fields can find little except substandard housing, and have incomes too low to qualify for standard new home loans. Most are working families who, despite their labors, have known only poverty. They have reared their children in places that are unsafe, unsanitary and a far cry from the American dream of homeownership. These are families and communities effectively hidden from mainstream America and untouched by its rising prosperity. Yet they are families with dreams and determination and the willingness to work hard. All they need is someone to bridge the gulf between dreams and reality.