After you provide your information, you will:
Receive an email indicating if you are eligible to apply for our Homeownership Program or not.
If you are not qualified right now, you will be told in the email why you do not qualify.
You can call the Programs Information Center at (612) 540-5660. If you leave a message, your call will be returned within the next two business days. You can also email email@example.com with your question.
If the Programs Information Center volunteer is unable to answer your question over the phone, they may be able to schedule you for an in-person appointment with an Intake Team staff member.
Due to staff and volunteer capacity, we aren’t always able to answer all calls immediately. If you leave a message, your call should be returned within 2 business days. You can also email firstname.lastname@example.org with your question.
Application processing typically takes 30 days. We'll contact you by phone and email as we’re processing your application if anything is missing. Once your application has been processed you will receive a letter in the mail to notify you about your status.
You can log into your account in the Habitat Homeownership Portal (https://tchfh.force.com/homeownership) to view your file and current program status: tchfh.force.com/homeownership
Local libraries typically have free access to computers and the internet. You can find your nearest local library here >
You can call the Programs Information Center at (612) 540-5660 to schedule an appointment to submit an application. If you leave a message, your call will be returned in the next two business days.
You can call the Programs Information Center at (612) 540-5660 to schedule an appointment to submit an application. If you leave a message, your call will be returned within two business days. You can also email email@example.com with your request for an appointment or you’re your questions.
You can submit missing documents through the Habitat Homeownership Portal: force.com/homeownership. Once you log in, follow these steps:
Click on “View My File”
Click the “Missing Documents” tab
Select a Submission Type from the drop-down list
Click “Choose Upload” to choose a file from your computer to upload
Click “Open” on the file you’re uploading
Click “Submit” to upload the file
You can call the Programs Information Center at (612) 540-5660 to schedule an appointment to submit missing documents. If you leave a message, your call will be returned within two business days. You can also reply to the email about your missing documents with your question.
Maintain Annual Gross Income within our income guidelines (click here to view) from initial intake to loan application.
Minimum credit score of 580 or insufficient credit (no score).
Collections less than $2,000 unpaid collections; less than $4,000 if all medical collections
Less than $1,000 in past due debt (judgments and liens) combined Monthly debt payments equal to no more than 18% of gross monthly income
Two years since discharged from bankruptcy, one year of new credit, with no late payments or default
One-year continuous employment, or two years if self-employed
Yes! You must have at least permanent residency status and have lived in Twin Cities seven-county area for at least one consecutive year. View our program requirements >
Single individuals can purchase a Habitat home on their own or with other adults, including multi-generational family members. All applicants MUST live full-time in the home and be at least 18 years old. Any household members must be living in Minnesota at the time of application to be considered part of the household.
You can be a single-person household and purchase a Habitat home.
Maybe! The program requirements are the same for people experiencing homelessness as they are for people who are currently housed. View our program requirements >
If you do not believe that you meet the income requirements for the program, there is a list of resources that may be useful in finding housing right now.
Twin Cities Habitat designs, and builds homes from the ground up, we purchase existing homes and renovate them, and we give qualified applicants the option to buy a home on the open real estate market with our mortgage product. If you qualify to purchase a home through Habitat, you will learn about the homes you are eligible to buy based on your family size and income.
Habitat builds homes in in the seven-county Twin Cities Metro area. As a qualified applicant, you will choose between a home that is for sale on the open real estate market or choose from a list of Habitat-developed or rehab homes. Habitat is not able to build a custom home for qualified buyers in any neighborhood.
Yes, you can open a daycare in a home you purchase with Habitat. An individual who currently has a daycare run out of their rental home would be considered “self-employed,” which is acceptable within our program guidelines.
Your monthly mortgage payment will be no more than 30% of your monthly gross income. The fair market value of the home will be determined by appraisal.
If you are buying a house on the open market using Habitat’s mortgage, then you will be able to decide which house you purchase and where it is located. If you are buying a house that was built or renovated by Habitat, you will be given a list of homes to choose from. The decision about where it is located cannot be changed after you commit to buying. If you qualify to purchase a home through Habitat, you will learn about the homes you are eligible to buy based on your family size and income.
Habitat for Humanity only builds and rehabs single-family homes and townhomes for first-time homeowners to buy.