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TCHFH Lending, Inc.

Twin Cities Habitat for Humanity’s wholly-owned nonprofit mortgage company, TCHFH Lending, Inc. offers the TruePath Mortgage product to low-and-moderate income households across the seven-county metro. TruePath Mortgage can be used on a Habitat-built home or a home you find on the open market. Own a home you love with a mortgage you can afford. Together, we are creating more opportunities for successful homeownership. 

Discover what TruePath Mortgage is all about


The Mortgage Product and Process

TruePath Mortgage Product

  • 5.25% fixed interest rate, 5.3059% 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 

Application Requirements

  • Complete Twin Cities Habitat for Humanity’s Homeownership Program

  • Meet our income eligibility guidelines

  • Be a first-time Homebuyer (haven’t owned property in the past three years)

  • Currently live in the 7-county metro area

  • Purchase a primary residence

Homebuying Program 

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

  • Six months at current job with two years of continuous employment history for full-time jobs. Two years at current position for part-time and self-employed workers.

  • 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 infographic cropped


Meet the Team

TCHFH Lending - Robyn Bipes-Timm

Robyn Bipes-Timm

President, TCHFH Lending, Inc.

NMLS 1486469

TCHFH Lending - Betsy Mills

Betsy Mills

Director of Lending

NMLS 847727

Meet the Team - Tori Quittem

Tori Quittem

Executive Associate
Maureen Holman

Maureen Holman

Community Loan Officer

NMLS 400794

Jen LaCroix headshot

Jen LaCroix

Community Loan Officer

NMLS 175499

Meet the Team - Bethany Nagan

Bethany Nagan

Mortgage Portfolio Officer

NMLS 1676395

Meet the Team - Dao Cheng

Dao Cheng

Mortgage Lending Processor

Phil Henry

Mortgage Processor Post Closing

Brooke Buchanan

Mortgage Servicing Coordinator

Other Helpful Links & Resources

View Habitat Homes For Sale

View our current home listings. These listings are updated each month to show newly-added properties and homes that have sold.

View Listings

We can help you with the mortgage process

Each family that applies for a mortgage with TCHFH Lending, Inc. must meet application and underwriting requirements for approval. If you don't meet these requirements today, that's okay! Twin Cities Habitat's financial advisors can help you get there.

Questions about our mortgage product?

Sample Mortgage Terms

Estimated First Mortgage $240,000
Fixed Interest Rate  5.25%
APR (Annual Percentage Rate) 5.3059% 
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 or property taxes, which are also required to be paid.
Term  30 Years 
Borrower Down Payment  $0.00 
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.