Looking to own a home?

Habitat provides you with the education and support to be successful in your homebuying journey.

We can help you buy a home you love with a mortgage you can afford. Buy a home built or rehabbed by Habitat, or work with a realtor to buy a home on the open market.

How It WorksFind Out if You're Eligible


Why buy with Habitat?

  • Affordable monthly mortgage* payments- at or below 30% of your household income
  • One-on-one financial coaching with a customized action plan to manage your budget, pay off debt, understand credit, and save for your home purchase
  • Homebuyer education classes prepare you for the responsibilities of homeownership
  • Post-purchase support provides maintenance advice, resources, and opportunities to connect with your community
  • We are a trusted partner. For over 30 years, Twin Cities Habitat has helped more than 1,100 families buy an affordable home. We are the #1 builder of ENERGY STAR homes in Minnesota, and 86.4% of every dollar entrusted to our organization goes directly to support our programs and services. 

Homebuying ProcessMortgage Product

*Habitat mortgages are provided through our subsidiary, TCHFH Lending, Inc. Click here to learn more about the requirements that need to be met to qualify for a TCHFH Lending, Inc. mortgage.

Program Overview Video

Learn about our Homeownership Program, how to buy a house with us, and how to apply to our program. 


Are you eligible?

You may be if...

  • You've lived in Twin Cities seven county metro area for at least one year
  • You meet our income eligibility guidelines
  • You haven’t owned a home during the past three years (waived for U.S. military members and veterans; owners of manufactured homes are eligible)

See all requirementsMortgage Criteria 

Family Stories

"I love every bit of this home. This is my house. I can point to certain pieces of it and say 'I worked on this wall right here'. I'm in love with being able to see it come together, and say I put my sweat, tears, aches and pains into it."

-DoShanley, Read her story 

“We thought that Habitat for Humanity was for other families, not us. We just figured we’d keep saving and working hard and eventually we’d be able to get our own place. But after a few years of trying, it just wasn’t happening.”

-Kathy & David, Read their story 

"Charlie was very patient with us. He made it happen."

-Muktar & Esniya, Read their story 

  • DoShanleys-family-story-1
  • Kathy-and-David-family-photo-with-kids
  • Muktar-and-Esniya-family-photo
See All Stories

Contact Us

Looking to own a home?


Learn More

Are you

Learn More

Mortgages with Habitat

Twin Cities Habitat for Humanity’s wholly-owned nonprofit mortgage company, TCHFH Lending, Inc. provides mortgages to low-and-moderate income households across the seven-county metro. Our mortgage can be used on a Habitat-built home or a home you find on the open market. Own a home you love with a mortgage you can afford. Together, we are creating more opportunity for successful homeownership.

Learn More

Other Programs

Age In Place

Learn More

Home Repair

Learn More


Learn More


Learn More