The 2023 Open Application Period has closed. The information on this page is specific to the 2023 application and will not be applicable to the 2024 open application period, to be announced.

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How to Apply for A House

Families are selected through an application process, then Habitat builds the home and sells it to the family at cost. The family pays for the home with a 0% interest mortgage.  Monthly mortgage payments do not exceed 30% of the gross income.

The 2023 Open Application Period began Saturday, November 11, and ended Thursday, December 14th at Noon. 

​Applicants must be residents of Garland County, Arkansas and meet income requirements for the year in which they apply.

Download English Application

Descargar Solicitud en Español

Homeowner Application Tips

Credit Score
Applicants should have a credit score of at least 500. (Habitat processes the credit reports.)

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Verification of Income*
Proof of Income should include check stubs, child support &/or alimony court papers, Social Security benefits, SNAP benefits, etc.

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Tax Returns*
Application will need a copy of their most recent Federal (click here to request) and State (click here to request) tax returns.
Applicants who have not filed federal taxes must file a 4506-T form to request a verification of nonfiling letter (click here to download).

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Lease Agreement*
Application will need a copy of your current lease agreement and/or a letter from your landlord.

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Copies of Bills*
Applicant will need to provide a copy of their most recent bills: utility bills, car note, cell phone bill, credit card bills, student loans, childcare costs, etc.

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Reference Letters*
Reference letters are not required, but helpful during the application process.

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* Please make copies of ALL of your documentation as originals cannot be returned. 

Applicants must be residents of Garland County, Arkansas and meet income requirements.

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