Home Ownership

Every person deserves the opportunity to build a better life.

Need for Housing

Families find themselves in need of safe, affordable shelter. This can be due to a variety of circumstances: unpredictable rent increases, overcrowded living conditions, damaged or dilapidated structures, unsafe neighborhoods, or lack of access to land and affordable financing.

Ability to Pay

You must be able to pay a mortgage that includes principal, interest, taxes and insurance. Your household income needs to be at 35% – 80% of your Area Median Income (AMI).

Willingness to Partner

Our families are partners! You must be willing to contribute hours of sweat equity (time building your home and community) and be ambassadors of our program.

Have Questions?

Still have questions? Our staff is more than happy to provide answers to your general questions. Please reach out at: apply@tworivershabitat.org or call 507.361.4012.

Prepare for Your Application

While you prepare for completion of the application, the following items tend to take longer than a couple weeks to collect. Our application cycle is just under a month long and you will want to start collecting the following items to include in your submission of the application.

A certified copy of your proof of residency (i.e. Certified Birth Certificate, Passport, Certificate of Citizenship, Certificate of Naturalization, etc.)
Last two years of state and federal income taxes (2024, 2025)
Paystubs for two months prior to application
Two most recent statements from Credit Cards
Copy of your lease agreement, if currently renting
Three most recent bank statements

Apply Now

Two Rivers Habitat for Humanity is currently not accepting any new applications for homeownership at this time. Please check back at a later date or email apply@tworivershabitat.org with any questions. Thank you.

No New Applications at This Time

Application Support