Homeownership Process

We know the homebuying journey can be overwhelming. That’s why we’ll work with you along each step of the way, so that you have the tools you need to achieve your goal.

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Homeownership Steps

Habitat Homeownership Process

watch HFH video

1. Introduction & Application

Watch online videos about buying with Habitat.

1. Introduction & Application

Watch online videos about buying with Habitat.

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Mortgage ready

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.

2. Mortgage Ready

Your financial coach will work with you to set goals and build a plan to become mortgage ready.

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.
Buy 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.

 

3A. Buy a Habitat home

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

  • Homes available for purchase are sent monthly. 
  • Learn about homeownership through our education courses.
  • Complete volunteer hours on Habitat home builds.
Open Market

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.

 

3B. 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.

  • Learn about homeownership through our education courses.
  • Get pre-approved with TCHFH Lending, Inc. 
  • Work with any realtor you choose or Habitat can provide a list of realtors.
submit loan application

4. Submit Loan Application

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

 

4. Submit Loan Application

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

happy family

5. Close on your home

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

 

5. Close on your home

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

 

 

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