Application Requirements

  • Complete Twin Cities Habitat for Humanity’s Homeownership Program
  • Meet our Income Eligibility Guidelines
  • Be a first-time Homebuyer (haven’t owned a home in the past three years; owners of manufactured homes are eligible)
  • Currently live in the 7-county metro area
  • Purchase a primary residence


Underwriting Requirements for Approval

  • Preferred credit score of 620 – Credit scores between 580-620 or invisible/no credit acceptable with alternative credit documentation
  • $6,300 in savings
  • Total monthly debt payments no more than 13% of gross monthly income
  • No outstanding liens or judgments
  • Minimum of one year at current job, two years if self-employed
  • Minimum of two years since bankruptcy, with 24 months of re-established credit
  • Minimum of three years since foreclosure or short sale
  • Maximum of $1,000 in outstanding collections ($3,000 maximum if medical collections)
Mortgage Process
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