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How to Apply for a Home

Habitat for Humanity looks at three basic criteria for all partner families: need for housing, willingness to partner, and ability to pay a zero-interest mortgage.
Need for housing: You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means.  Lack of adequate housing may include problems with the present structure; water, electrical or sewage service systems; heating system, or failure to meet city property maintenance standards.  Also taken into consideration are the number, the ages and the gender of children compared to the number of bedrooms in your present home.
Willingness to partner: Each partner family is required to contribute sweat equity hours toward the construction of their home. In addition, they will be required to complete first-time home buyer education. Partner families are expected to provide documentation of income and debt as required by designated funding sources and to inform Garland Habitat in any change in status of income or debt, number of family members in the household, or changes in marital status during the partnership period.
Ability to re-pay an interest-free mortgage: Income and debt-to-income ratio are factors considered to qualify under this criteria. You will be required to show documentation of income and debt. This may include but is not limited to recent income tax returns, bank statements, credit card statements, paycheck stubs, and other loan statements. You and your family may be considered if your annual total income is between 30-60% of the HUD median income for Dallas County.

Current Income Guidelines   (based on HUD income limits for the state of Texas, Dallas area)
Family Size 30% Median 60% Median
One $14,800 $29,580
Two $16,900 $33,840
Three $19,000 $38,040
Four $21,100 $42,240
Five $22,800 $45,660
Six $24,500 $49,020
Seven $26,200 $52,380
Eight $27,900 $55,800

If you would like to learn more about homeownership view the Family Selection Process and Qualifications page or call us (972) 272-8530.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, age, marital status, sexual orientation, or sources of income.

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