Apply for a Home

How to Apply for A House

We have been building homes for deserving low- to moderate-income families in Garland County since 1995. Qualifying families participate in our Pathway to Homeownership program, which is typically a year-long process.

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 2025 Open Application Period will begin November 8th. Details will be announced in September.

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

All applications are evaluated based on three primary criteria:

Need for Housing
Willingness to Partner
Ability to Pay (Household income of 30%-60% of the area median income)

Click to link to access ability compatable list.

* Subject to change. Please sign up to receive updates.

Homeowner Application Tips

Credit Score
Applicants should have a credit score of at least 500.

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

Tax Returns*
Application will need a copy of their most recent Federal (click here to request) and State (click here to request) tax returns.

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

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.

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

* 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.

Volunteer hours do not count toward Sweat Equity credit until the final selection process is completed.