Garland County Habitat for Humanity
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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.

Our 2023 Open Application Period will begin following an Application Seminar on Saturday, November 11, 2023. 

Habitat will host a seminar explaining all of the program requirements and process. At the close of the yearly application period, 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)
​Sign up to receive email notifications about our seminar and Open Application Period

Homeowner Application Tips

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

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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 2022 Federal (click here to request) and State (click here to request) tax returns.

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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.

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

Datos importantes para dueños

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Garland County Habitat for Humanity is an Equal Housing Lender.
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  • Home
  • About
    • Habitat for Humanity International
    • Annual Report and Financial Statement
    • Online Policies >
      • Privacy Policy
      • Social Media Policy
      • Terms of Service
  • ReStore
  • Apply for a Home
    • Homeowner Application Tips
  • Volunteer
    • Volunteer Waiver Form
  • Contact Us
    • Staff
    • Board of Directors
  • Donate
    • Habitat branded Yeti Rambler™
    • Heels to Hammers VIP Upgrage
  • Volunteer Calendar