Habitat Mortgage Product

  • 3.0% fixed interest rate, 3.0668% APR
  • 30 year term
  • Affordable monthly housing payment set at no more than 30% of gross income
  • No mortgage insurance
  • Maximum mortgage of 96.5% of home’s value – down payment and affordability assistance available depending on income qualification and availability.
  • Borrower contribution of $3,000 towards closings costs (not including owner’s title insurance if the homebuyer chooses to purchase)

Mortgage Criteria

Learn about application requirements and underwriting requirements for approval for a mortgage with TCHFH Lending, Inc.
View Criteria

Our Mortgage Team

Get to know the members of TCHFH Lending, Inc., who, along with members of our Homeowner Development team, help set homeowners up for success with an affordable monthly mortgage payment.

Read Team Bios

*Sample Mortgage Terms

Estimated First Mortgage


Fixed Interest Rate


APR (Annual Percentage Rate)


Monthly Principal and Interest Payment

    *Monthly payment estimates quoted reflect the principal and interest portion of the payment and do not include homeowner’s insurance, property taxes, or maintenance fund, which are also required to be paid.



30 years

Borrower Down Payment


Borrower-Paid Closing Costs

     *Borrower’s contribution to closing costs does not include the owner’s title insurance policy if the homebuyer chooses to purchase.


Please note that our rates and terms can change at any time.

Questions about our mortgage product?