The TCHFH Lending, Inc. All Credit Levels is a cdfi lender from TCHFH Lending, Inc.. The ongoing APR is 5.3059%. Approval typically requires a credit score of 620 or higher. Typical credit limit: up to 96.5% of home’s value. Loan terms: 30-year term. Minimum time in business: 6 months. TCHFH Lending, Inc. is the nonprofit mortgage subsidiary of Twin Cities Habitat for Humanity, providing the TruePath Mortgage product to low- and moderate-income households in the seven-county metro area of Minnesota. This initiative aims to create opportunities for successful homeownership by offering affordable mortgage options. Services include: mortgages. US Treasury certified CDFI Loan Fund in St. Paul, MN.