Looking to own a home?

Habitat provides you with the coaching, 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. Your options may include buying a home built or rehabbed by Habitat, or working with a realtor to buy a home on the open market.



Find Out if You're Eligible


Why buy with Habitat?

  • Low-interest mortgage* with affordable monthly payments set at 30% of your household income
  • 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 1,300 families buy an affordable home. We are the #1 builder of ENERGY STAR homes in Minnesota, and we strive to do the most good with every dollar entrusted to us. 
  • Not financially ready yet? You may be eligible for our one-on-one Financial Coaching Program, which offers a customized action plan to help you learn to manage your budget, pay off debt, understand credit, and save for your home purchase

Mortgage 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.

Homebuyer and Mortgage Program Overview

Learn more about the benefits, the process and why Habitat's unique program may be right for you. Find out if you are eligible!

Why Buy with Habitat _OPEN CAPTIONED-1


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?


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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.

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Other Programs

Age In Place

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Home Repair

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