Sltan and Gebregiorgis
Ethiopian immigrants helping build an American Dream for their children.Read More
Twin Cities Habitat homeownership is really a partnership. Families must demonstrate need, qualify financially, be willing to do “sweat equity” as Habitat volunteers and complete homeownership training courses. In exchange, families have the opportunity to buy a safe, decent Habitat home with an affordable mortgage payment. The first step to Habitat homeownership is figuring out if you meet the eligibility requirements.
Are you and your family ready, willing, and able to:
If you answered ”yes” to all of these questions, you may be ready to become a homeowner.
If you answered ”no” to any of these questions, you may not be ready to be a homeowner at this time. That’s okay! It’s better to know you will not be happy as a homeowner before you own a home.
NOTE: When you purchase a home through Twin Cities Habitat for Humanity, Habitat becomes your mortgage company, not your landlord. The house and any problems or damage that occurs after move-in are the homebuyer’s responsibility.
|Family Size||Minimum Monthly Gross Income||Maximum Monthly Gross Income||Minimum Yearly Gross Income||Maximum Yearly Gross Income|
If you think you meet the eligibility requirements to buy a Twin Cities Habitat home, the first step is to attend a Homeownership Exploration Session. These are held monthly. You’ll learn about homeownership basics and the Twin Cities Habitat process. At the session you’ll complete an eligibility questionnaire. To sign up for a session, call 651-207-1700 and press “0” or “1.”
Following a Homeownership Exploration Session, families that are determined to be eligible are invited to apply. The application process typically takes between 3 and 4 months. Steps in the process include:
Once an eligible family completes the application processes they are eligible for selection for up to 14 months. During that time, families receive letters with homes that they are eligible to buy based on their income and family size. These property selection letters are a way for applicants to indicate their preference for available houses based on a number of different factors (size, location, design, neighborhood). Applying to Habitat does not guarantee that a family will be selected to purchase a Habitat home. Applicants in the matching pool are matched to homes based on their ability to pay for the home, need for housing, and willingness to partner with TCHFH. Twin Cities Habitat for Humanity builds between 50-60 homes a year and receives about 300 qualified applications every year.
Families matched to homes must complete all required homeowner training sessions prior to their closing date.
Sessions include money management and budgeting, mortgages and financial fitness, home maintenance and safety, and community involvement and engagement. This training curriculum provides families with a sound foundation of knowledge designed to boost homeownership success. Once a family moves in, a Neighborhood Family Partner (a Habitat volunteer who lives nearby) meets regularly with the new Habitat homeowner to provide a warm welcome to the community, a resource for house maintenance questions, and a link to the local community.
Twin Cities Habitat for Humanity strives to do the most good with every single dollar entrusted to us. Rest assured that a gift to support our mission creates an immediate and significant impact for the families and communities we partner with.
Every $1 you donate results in almost $2 of economic activity in our community.