Are you interested in buying with Habitat, but not sure how the homeownership program works? Here’s a step-by-step guide to understanding the Habitat homebuyer journey.
To get this process started, first you submit this intake form. The form will determine your initial eligibility for our program. The steps below explain what you can expect after that.
Attend an orientation session to learn about buying with Habitat. Once you do, you’ll receive an application to the homeownership program.
 |
| If your application is accepted, you'll be paired with a financial coach. Your financial coach will work with you to set goals and build a plan to become mortgage ready. If you are already mortgage ready, your coach will work with you to choose a homebuying path. |
Based on your household income, you may be eligible to buy a Habitat home OR buy a home on the open market.
Buy a Habitat home |
|
Habitat builds and renovates homes in the seven-county metro area. If you choose to buy a Habitat home, you will take the following steps: Habitat’s home selection process
Homes available for purchase are viewed monthly. Homebuyer education and required volunteer hours
Learn about homeownership through our education courses. When you select a Habitat home to purchase, you’re required to complete volunteer hours on Habitat home builds. |
Buy a home on the open market |
| Work with a realtor to find a home for sale in the seven-county metro area. If you choose to buy a home on the open market, you will take the following steps:
Homebuyer education
Learn about homeownership through our education courses.
Get pre-approved with TCHFH Lending, Inc. (our subsidiary lending business)
Pre-approval letters indicate what homes you can afford.
Search for homes with a realtor
Work with a realtor you choose or Habitat can provide a list of realtors familiar with Habitat. |
 |
|
Once you find a home to purchase, then you apply for a mortgage through TCHFH Lending, Inc. (our subsidiary lending business).
|
 |
| Complete the home closing process and get the keys to your new home! |
We know the homebuying journey can be overwhelming. That’s why we’ll work with you each step of the way. You’ll gain the tools you need to achieve your goals and become a successful homeowner.
Click below to find out more about our homeownership program:
Your gift unlocks bright futures! Donate now to create, preserve, and promote affordable homeownership in the Twin Cities.
Twin Cities Habitat for Humanity : 3:30 PM on June 11, 2020
We continue to process the pain and hope of our nation’s uprising for racial justice amid a global health crisis. You can see our recent statements...
![What to Expect at Closing [VIDEO]](https://www.tchabitat.org/hubfs/Screen%20Shot%202020-01-23%20at%2011.32.39%20AM.png)
Twin Cities Habitat for Humanity : 11:45 AM on January 27, 2020
So you've finally made it to the home closing. But... has anyone actually walked you through what that means and what will happen during the closing...
Twin Cities Habitat for Humanity : 10:00 AM on December 7, 2018
Congratulations, you’re a homeowner! You paid your down payment, signed on the dotted lines, and are now holding the keys to your very own home. But...
Kaitlyn Dormer