How Can I Apply for a Home?

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Basic Qualification Criteria

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If you meet the following basic criteria, please call us at 870-793-1999 to get an application!

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I have been a resident of or have worked in Independence County, AR or the town of Cave City, AR for a minimum of 6 months.

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I have a housing need.  My current housing is inadequate and/or the conditions are substandard.  (Examples of substandard conditions: lack of heating system, leaking roof, unsafe flooring, et cetera)

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I have the ability to pay.  I do not have excessive credit card debt or multiple bills in collections (excluding medical debt) and I have had stable income for the last 12 months.

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I will partner with Habitat putting in 350 hours of “sweat equity” building mine and my neighbors’ homes.  I understand that this partnership may involve 20-30 hours per month of extra work in addition to my regular employment.

Home ownership is the cornerstone to a strong community.

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A hand up, not a hand out!


One of the most common misconceptions about Habitat for Humanity is that our houses are given away. This is not the case: in fact, all of our homes are sold to low-income families in our communities! Our goal is to be an affordable option for those who would otherwise not be in a position to realize the dream of homeownership. Three factors make the houses affordable to low-income people worldwide:

Houses are sold at no profit, with no interest charged on the mortgage.
Homeowners and volunteers build the houses under trained supervision, cutting the cost of the homes back significantly.
Individuals, corporations, faith groups and others provide financial support.

Homeowner families are chosen according to their need; their ability to repay the no-profit, no-interest mortgage; and their willingness to work in partnership with Habitat. Habitat for Humanity does not discriminate according to race, religion, ethnic group or family size.

Again, Habitat is not a giveaway program. In addition to covering their closing costs and making their monthly mortgage payments, homeowners invest hundreds of hours of their own labor before even moving into their homes. We ask that all of our homeowner's partner with us throughout the entire building process by completing sweat equity hours on their home and the homes of others.