Buy a Home

Unlock the path to homeownership:

Understand your options, boost your readiness, and explore available homes.

Looking to own a home?

Habitat provides you with the coaching, education, and support to be successful in your homebuying
journey in 5 easy steps:

1

Check if you qualify

Take our Free Eligibility Survey to see if you can get 1-1 homeownership coaching.

Learn more >

2

Fill out a questionnaire

Pay a non-refundable fee ($30 for one person, $55 for two people) to complete this step. *Please allow up to 30 days for processing once submitted.

Take the Habitat U classes

Learn important skills in a 20-hour course. If counselors think you’re ready, you can move forward.

View classes >

3

4

Apply for a loan through Trinity Lending Company

Once you finish the classes, you can apply for a home loan with Trinity Lending Company (TLC).

Learn more >

Purchase a Home!

If your loan is approved, you can buy a house from Trinity Habitat inventory.

Browse homes >

5

Have Questions About the Steps?

Why buy with Habitat?

  • Affordable Loans – Families earning less than 80% of the area's average income can get low-interest home loans with an easy process.

  • Homebuyer Education – Learn important financial and home maintenance skills to be a responsible homeowner.

  • Trusted Experience – Trinity Habitat has helped over 800 families buy homes in the last 30 years.

  • Quality Homes – Homes are built to ENERGY STAR and FORTIFIED standards, making them strong and energy-efficient. 

  • Dedicated Partnerships- Trinity Lending Company and Habitat U will work alongside you to find and secure grant and loan programs with down payment assistance to deliver affordability.** 

  • **All grant and loan programs are subjected to program availability and qualifications. 

  • Big savings on every home! Our homes are priced lower than market value, making homeownership attainable for families.

    Important Notice – Equal Housing Opportunity:

    We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation.  We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Remember: Being approved for counseling does not mean you are automatically approved for a mortgage through TLC. 

Not Approved? No problem! Even if you’re not approved for one-on-one counseling, you can still sign up and take our Habitat U courses to learn valuable homeownership skills.

Schedule a one-hour Office Hours session with Micah or Stephanie to get personalized support, ask questions, and learn how Habitat U fits into your journey.

Find Out if You’re Eligible For Habitat U:

Do you meet the following criteria for Habitat U? 

  • Need for Homeownership:

    • Cannot currently own a home 

    • Earn less than 80% Area Median Income (AMI)

    • Additional requirements may apply

  • Ability to pay:

    • Minimum household income of $42,000

    • Employed for 6+ Months

    • Paid rent 6+ Months

    • Max Debt-to-Income ratio of 50% 

    • No more than $2,000 in non-medical collections within 2- years

    • Must be legally employable in the United States

    • Additional Credit History requirements may apply

  • Willingness to Partner:

    • Must be willing to agree to all program requirements, including sweat equity.

    • Partnership includes being timely and truthful with all document submissions and appointments.

* Habitat U program requirements differ from Trinity Lending Company

Family Size and Maximum Household Income
(For Johnson, Parker, and Tarrant County)

$59,750

1

2

$68,300

3

$76,850

4

$85,350

5

$92,200

6

$99,050

Not ready to buy but looking for Financial Literacy Classes?

Build a strong financial future!

Not ready to buy a home yet? No problem! Our FREE Habitat U Financial Literacy classes will give you the education and support you need to reach your financial and homeownership goals.

📝 Learn how to budget and save wisely
💳 Understand credit and improve your score
🏡 Prepare for future homeownership

Click the link to join today and start building financial confidence!

Upcoming Classes

Homebuyer Success Office Hours

Have Questions?

Our Homebuyer Success Team is here to help.
Whether you're just getting started or deep into the process, office hours are a great time to ask questions, get clarity, and feel confident about your next steps. Schedule a one-on-one session with Micah or Stephanie to get the support you need!

Reserve su cita con Stephanie para recibir más información en español.

Preguntas? Llame a Stephanie a (817)926-9219 x131

¿Hablas español? ¡Stephanie también!

Available Homes

Check out our new website, AH4U, where you can browse available homes for sale. Whether you're a new homebuyer, a realtor, or a family eager to learn more about the Habitat process, this site has all the resources you need!

FAQ

  • The first step in the process is to complete the eligibility survey. Eligibility Survey - Trinity Habitat for Humanity

  • The next step in the process will be to complete the Counseling Questionnaire. If accepted into the program, you will then have 30 days to complete the Partnership agreement.

  • This form allows Habitat to assess the prospective homeowner’s information to determine their likelihood of qualifying for the Habitat U program. This is NOT an application. Counseling Questionnaires may take up to 30 days to process.

  • Once we receive your Counseling Questionnaire and your processing fee, you will be notified by mail within 30 business days, and the letter will explain what your next step will be in the application process.

  • Yes. Unless you are legally divorced, your spouse must be included in the mortgage.

  • Habitat U has a minimum income requirement (See ability to pay), a maximum household size of 6, and serves families up to 80% Annual Median Income (See current AMI Chart) 

  • This is the household income for the median/middle household by region. You can find your area’s AMI by clicking here.

    AMI is used to determine eligibility for affordable housing programs. HUD and other agencies use it to classify households into income groups: 

    • Low Income: ≤ 80% of AMI 

    • Very Low Income: ≤ 50% of AMI 

    • Extremely Low Income: ≤ 30% of AMI

  • Trinity Habitat’s service area includes: Tarrant, Johnson, Parker, Wise and Palo Pinto counties. Check out our current homes for sale here.

  • Trinity Habitat for Humanity serves the least first. Mortgage-ready families will go through the lot selection process during each build season. In the event multiple families select the same lot, the family with the lowest Area Median Income (AMI) will be selected. 

  • No, our Habitat homes do not come furnished. However, you can find great deals on gently used furniture, appliances, and home goods by visiting your local Habitat ReStore.

  • Our homes are mainly 3 bedroom / 2 bathroom homes. HUD defines that no more than 2 people can reside in a room to prevent overcrowding. Therefore, the maximum family size is 6 people.  Trinity Habitat homes work from approved floor plans. Modifications to the approved specifications are not possible. 

  • Habitat U counselors will walk you through your options for lending. Trinity Lending Company (TLC) offers lower than market interest rates.