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Twin Cities Habitat for Humanity

Miniature house next to a stack of money and a pen and paper.

Do You Have to Put 20% Down on a House?

A down payment is an amount you pay in cash “up front” when buying a home. A down payment is not part of your mortgage loan. A bigger down payment means you save money on your home and monthly payment since you do not have to pay interest on the...

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Close up of a Black person's hands on the sides of a miniature house, keeping barriers at bay.

Barriers Black Homebuyers Face

Black families in Minnesota face unique challenges when trying to buy a home. For generations, these barriers were overtly racist housing policies...

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Twin Cities Habitat's Board Chair Sharon Sayles Belton address a room of media and partners.

Partnering to Develop The Heights on St. Paul's East Side

Twin Cities Habitat for Humanity is honored to be a major project partner in The Heights, a $370 million redevelopment of the 112-acre former...

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Image of a contract for deed paper with a miniature house as a paperweight.

What Are the Disadvantages of a Contract for Deed?

Buying a home is a big financial commitment. There is typically some sort of down payment, there may be closing costs associated with entering into a...

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Woman smiling while reviewing homeownership documents.

How Do I Qualify for Habitat for Humanity's Homeownership Program?

Twin Cities Habitat for Humanity proudly partners with low-to-moderate income homebuyers to purchase homes in the seven-county metro area. No matter...

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An emotional homeowner receiving the keys to her first home.

Can I Buy A Home if I Have Collections on My Credit Report?

Since buying a home is a big (and exciting!) investment, many people have questions surrounding the financial part of the process. Whether it’s, “Can...

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Mom, dad, and kids talking with a realtor inside an empty front room

What to Ask a Real Estate Agent Before You Hire Them

A real estate agent is your trusted guide, bulldog negotiator, and project manager of the homebuying process, so selecting the right agent for you...

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A picture of the six new Habitat for Humanity board members

Six Local Leaders Join Our Board of Directors

The Board of Directors at Twin Cities Habitat for Humanity welcomes Paul Delahunt as the newly elected Board Chair, in addition to six new board...

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A close-up image of a credit report

Credit Scores, Medical Debt, and Buying a Home

Before you apply for a mortgage, raising your credit score is one of the best things you can do. That means paying down as much debt as you can. But...

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A realtor and buying couple inspecting a kitchen

Red Flags To Look For During Home Tours

Shopping for a home to buy can be daunting. It's not uncommon to experience a sense of whiplash as buyers rush to outbid each other. After all, you...

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