Goodbye, Rental.
Hello, Home.

Frequently Asked Questions (FAQs)

• How do I get started with the Habitat Homeownership Program?

  To begin, you’ll fill out an informational eligibility questionnaire online, which asks about your current address, household size, income, savings, debt, and credit. If you're eligible, you’ll receive an email inviting you to apply for the Homeownership Program through our online portal.

  The full Homeownership Program application includes documentation of your income, employment history, credit details, and household demographics. If you submit your application and we need more information, we may request further documentation.

  After reviewing your application, we may offer participation in our Financial Coaching Program or connect you with one of our referral partners if you're not yet eligible for the Homeownership Program.

• What are the eligibility requirements?

  You must:

  • Be a first-time homebuyer (no prior home ownership within the last 3 years; some exceptions may apply)

  • Live in the 7-county Twin Cities metro area for at least the last year

  • Meet income requirements tied to household size

  • Show credit history - including a minimum credit score of 620+, though scores 580–620 or documenting alternative credit may be accepted

  • Meet all other financial requirements (learn more about financial requirements)

• What financial requirements do I need to meet?

  There are several financial requirements that must be met for both the Homeownership Program and the Financial Coaching Program. Please see this page for the financial requirements for each program.

• How long does the process take from application to move‑in?

  Applications for the Homeownership Program are processed within about 30 days. After acceptance to the program, working toward mortgage readiness may take anywhere from 1–2 months up to over a year, depending on your credit score and financial situation. The entire homebuying process may take a year or more.

• What types of buying options are available?

  We offer two buying tracks for first-time homebuyers:

  Option 1: Buy a home that is newly built or refurbished by Twin Cities Habitat.

  Option 2: Buy a home on the open market, utilizing our TruePath Mortgage financing option to purchase a home while working with a Realtor of your choosing.

• What resources do you have for first-time homebuyers?

  Before you buy, explore our First-Time Homebuyer Guide for helpful information about the steps involved in buying a home. You can also visit our Homeownership Knowledge Base for answers to common questions about the Twin Cities Habitat Homeownership Program and tips to prepare for applying. To learn more about our mission and impact, visit the About Us page.

• What resources do you have for homeowners who purchased with Habitat?

  Twin Cities Habitat for Humanity’s Post-Purchase Program provides ongoing support to homeowners after they’ve moved in. This includes monthly classes on homeownership topics, access to the Habitat Homeowner Resource Hub, community engagement opportunities, and continued communication with Habitat staff. The goal is to help everyone thrive in homeownership.