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Twin Cities Habitat for Humanity

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The Definition of a First-Time Homebuyer is Broader Than You Think

Editor's note: The following information was updated in 2023 to include additional homebuyer resources.

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fha 203k loan requirements

The Pros and Cons of FHA 203(k) Loan Products

For DIY lovers, a fixer-upper home can be the ultimate project.

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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...

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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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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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Homeownership 101

Homeownership 101: 9 Things To Do After Closing on a House

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...

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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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