Homeownership – Program Overview

The Builder, the Bank and the Bridge.

Twin Cities Habitat builds homes in partnership with qualifying partner families and the community, and then sells the homes at no profit with zero percent interest mortgages to partnering families. Twin Cities Habitat also prepares partner families to be successful homeowners.

As the builder…

Twin Cities Habitat manages the land development and construction process, purchasing and preparing the land where we build. Habitat also purchases the materials and hires the professional services to build the home. In addition, Habitat leads the family and volunteers through the entire building process–our team of skilled builders works side-by-side with each family at the home site. Families contribute 300-500 hours of sweat equity for their home.

Our work is not limited to the home; we engage the entire community to raise the resources to build our homes, including: congregations, businesses, schools, civic organizations, associations, government and individual volunteers.

As the bank…

Twin Cities Habitat ensures the credit worthiness of the families we select and prepares them for the financial responsibilities of homeownership. We issue and hold the zero-interest mortgages, and we offer affordable monthly mortgage payments, set at no more than 30 percent of household income at the time of purchase. This creates a 30-year relationship between TCHFH, every new homeowner and the community, making a long-term contribution to communities.

As the bridge…

Twin Cities Habitat partners with families to be successful homeowners by training homeowners to pay for their homes, maintain their homes and connect with their neighborhoods. We match each homeowner with a neighborhood family partner – a trained TCHFH volunteer who meets regularly with the homeowner to:

  • Help them get used to the house
  • Provide access to neighborhood resources
  • Introduce the homeowner to other neighbors
  • Show them how they can contribute to the neighborhood