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Trinity Lending Company is the in-house lender for Trinity Habitat for Humanity, committed to making homeownership possible for hardworking families in Tarrant, Johnson, Parker, Palo Pinto, and Wise counties in North Texas.

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FAQ

Empowering Homeownership Through Purpose-Driven Lending

What We Do

We offer low-interest home loans to qualified applicants purchasing Trinity Habitat for Humanity-built H1 and H2 homes, focusing on families with the lowest Area Median Income (AMI). By prioritizing those with the greatest financial need, TLC helps expand access to homeownership and supports long-term financial stability.

Why it Matters

Homeownership is a powerful tool for building brighter futures. TLC plays a vital role in Trinity Habitat’s mission by offering financing that’s fair, accessible, and rooted in service.

Service Areas

While Trinity Habitat for Humanity proudly serves families across a broader region of North Texas, TLC financing is currently available only to partner families moving into Habitat homes located within the following counties:

  • Tarrant County

  • Johnson County

  • Parker County

A miniature model of a house with a gray roof and red and white walls, placed on a wooden surface beside a keyring with keys and a keychain.

Ready to take the next step toward homeownership?

Explore how Trinity Lending Company can support your journey to homeownership.


Whether you're just starting to learn about the process or ready to take the next step, we’re here to help.

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FAQs

  • Begin by applying for Trinity Habitat’s homeownership program. If you qualify, you’ll be guided through the TLC loan process with personalized support every step of the way.

  • TLC loans are available to families who qualify for Trinity Habitat for Humanity’s homeownership program. We focus on serving those with the greatest financial need, especially individuals and families with the lowest Area Median Income (AMI).

  • Unlike traditional banks, TLC is a nonprofit lender created to serve Habitat homebuyers. Our goal isn’t profit—it’s empowerment. We offer fair, mission-driven loans designed to support long-term financial stability.

  • Yes, there may be upfront costs depending on the home loan product you choose to purchase through Trinity Habitat. You may be required to provide funds for a down payment, as well as cover escrow and closing costs. Specific requirements will vary, so we encourage you to speak with a Habitat representative for details about your situation.