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Building Community Blog

Almost everyone has heard of Habitat for Humanity. And that’s awesome! But sometimes we discover misconceptions about what we do, how we work, and who buys homes with Habitat. So, we’ve put together this list to help set the facts straight.

Of course, if you have any questions, we’d love to talk with you. Just give us a call.

Buying a home comes with many different expenses that need to be considered. What is your overall price range? What kind of monthly payment are you comfortable with? Are there closing costs to consider? How much money should you have in savings in case updates or repairs are needed? And when it comes time to think about buying your first home, some of the biggest questions are about the down payment.

Many first-time buyers haven’t even heard of private mortgage insurance (or PMI for short). What is private mortgage insurance? What is it used for? Do you have to have it? These are common questions from first-time homebuyers. So, if you don't know what PMI is, don't worry. We know all about private mortgage insurance and we're here to help.

Here's everything you need to know about private mortgage insurance.

So, you just became a real estate agent. Congratulations!

Now what?

The real estate industry is fun, challenging, and fulfilling. It requires hard work, patience, and a drive to succeed. And done right, it can be a rewarding career both personally and financially. Getting started sounds simple: just attract and keep new house listings. But first, you need to have a solid foundation.

Searching for your first home is so exciting, but it can also be a little overwhelming, especially if you're not sure what you want. The best thing you can do to find the right home is create a house hunting checklist to narrow down your search. Of course, you want to identify how many bedrooms and bathrooms you need, but we're talking about things like school district, neighborhood, crime rating, etc. 

Before working with a realtor, here are four tips to narrow your search for your online house hunting checklist.

The process of buying your first home is exciting. It’s also complicated. But a good REALTOR® can guide you every step of the way to help you understand the process. By interviewing at least three real estate agents, you’ll have a better chance of finding the right one for you. This will give you confidence throughout the rest of your homebuying experience.


The process of buying a home is essentially the same as it's always been. But when there are a lot of people who want to buy and not enough homes for sale, there is more competition for the homes that are available. As a result, interested buyers must make their decision, provide an offer, and write a house offer letter as quickly as possible.

You might be thinking, "A letter? I don't remember my parents needing to write a letter to buy their house." That's because they probably didn't have to. House offer letters are a new aspect to the homebuying process, but it's only necessary in a very competitive housing market.

Are you almost at the end of your current lease and thinking about apartment hunting? Before you begin searching for another short-term option, you may want to consider a more permanent housing solution — buying your own home!

Yes, you can afford your own home. And there are many resources to help — including the Twin Cities Habitat for Humanity Homeownership Program.

In 2018, TCHFH Lending, Inc. (the wholly-owned nonprofit mortgage company of Twin Cities Habitat for Humanity) became certified by the Department of Treasury CDFI Fund. As a Community Development Finance Institution (CDFI), we are recognized as a lender with a mission to fill financing gaps in the marketplace under-served by other lenders.

What does this mean for Twin Cities Habitat? Let's explore!

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