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 2024 Open Application Period will begin *November 9, 2024 and end December 12, 2024.

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)

Registration is recommended but not required to attend.

* 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.

How to Apply for A House

Homeowner Application Tips

Datos importantes para dueños