Habitat Homeownership Process

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1. Introduction & Application

Watch online videos about buying with Habitat.

Get Started
looking for a home on the open market

2. Mortgage Ready

Your financial coach will work with you to set goals and build a plan to become mortgage ready. If you are already mortgage ready, your coach will work with you to choose a homebuying path.

3. Choose a Homebuying Path

Based on your household size and income, you may be eligible to buy a Habitat home or buy a home on the open real estate market.
A Habitat home

Buy a Habitat home

Habitat builds and renovates a limited number of homes each year in the seven county metro area.

  • Habitat's home selection process
    Homes available for purchase are sent monthly. 
  • Homebuyer education and required volunteer hours
    Learn about homeownership through our education courses. When you select a Habitat home to purchase, you're required to complete volunteer hours on Habitat home builds.
house hunting

Buy a home on the open market

Work with a realtor to find a home for sale on the open real estate market in the seven county metro area.

  • Homebuyer education
    Learn about homeownership through our education courses.
  • Get pre-approved with TCHFH Lending, Inc. 
    Pre-approval letters give you an idea of what homes you can afford. 
  • Search for homes with a realtor
    Work with any realtor you choose or Habitat can provide a list of realtors familiar with Habitat.

 

submit loan application

4. Submit Loan Application

Once you find a home to purchase, then you apply for a mortgage through TCHFH Lending, Inc.

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5. Close on your home

Complete the home closing process and get the keys to your new home!

 

 Get Started

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