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When you sit down with a housing counselor at In Affordable Housing, one of the first things we'll talk about is your credit. And you might wonder: Why pull a special report when I can check my credit for free online? Great question. Here's the honest answer. The free report isn't the full picture. Those free credit checks you pull from apps and websites are useful for a quick glance, but they often show only one bureau, a rounded "educational" score, and limited detail. Lend

Most Arkansas renters who could already buy a home don’t — because of one belief: “I don’t have a down payment.” That belief has cost more families homeownership than bad credit, low income, and high rates combined. And here is the truth nobody is telling you: that belief is wrong. Down payment assistance (DPA) is real money — grants, forgivable loans, and silent second mortgages — designed specifically to cover the cash that has been standing between you and a closing table.

At a lot of housing organizations, the person who manages building a home and the person who helps a family move into one are two different people. At In Affordable Housing, Inc. (IAH), they happen to be the same. We’re proud to congratulate Rod Isom, IAH’s Construction Manager & Housing Counselor, on earning his certification as a U.S. Department of Housing and Urban Development (HUD) Housing Counselor. A U.S. Navy veteran, Rod brings the discipline and attention to detail o

IAH welcomes Melanie King. HUD Certified Housing Counselor and Real Estate Agent, to the Counseling team. Maybe you've been told your credit isn't good enough. Maybe the down payment feels impossible, or the paperwork is overwhelming, or you've simply never had anyone walk you through how buying a home actually works. If any of that sounds familiar, here's something worth knowing: you don't have to figure it out alone. IAH is helping Arkansans become — and stay — homeowners i

At In Affordable Housing, some of our best workshops happen when people show up together. One person asks the question everyone else was thinking. Somebody pulls out a calculator. Somebody else starts browsing listings on their tablet before we even get to that part. It turns into a whole thing — and honestly, that's when the magic happens. Because buying a home can feel heavy when you're sitting with it alone. But when your friend is right next to you learning the same stuff

April is Financial Literacy Month — and there's no better time to take an honest look at where you stand financially. Whether you're working on building credit, paying down debt, or just trying to make your money stretch further, small steps taken now can make a real difference. At IAH, we're here to help you move forward with confidence. IAH provide the tools, resources, and one-on-one guidance you need to take control of your financial future. Let's get started.

Kedrick Dobbins, Bank OZK Residential Mortgage Senior Community Loan Originator, with IAH CEO and Founder Roma Isom. In Affordable Housing, Inc. (IAH) is pleased to announce a $5,000 contribution from Bank OZK in support of IAH's homebuyer education and affordable housing programs serving families across Central Arkansas. IAH, a HUD-certified nonprofit founded in 1994, has directed more than $125 million in housing investment across a 12-county service area — connecting low-

You Have More Options Than You Think. How IN Affordable Housing Guides Arkansas Homeowners Through the Process I f you’ve missed a mortgage payment—or several—you already know the knot in your stomach that comes with it. The calls from your lender. The letters piling up. The fear that you’re about to lose everything. You’re not alone. Nationally, foreclosure filings rose 32% year-over-year in January 2026, with over 40,000 properties receiving default notices, auction sched

Finding an affordable home in today’s market can be challenging, especially when many lower-priced properties need repairs. One financing option designed to address this gap is the FHA Section 203(k) Rehabilitation Mortgage Insurance Program. This program allows borrowers to finance both the purchase (or refinance) of a home and the cost of eligible renovations in a single mortgage (U.S. Department of Housing and Urban Development [HUD], 2024). The 203(k) program is available

Every June, the nation celebrates National Homeownership Month — a time to recognize how homeownership supports families and communities. At IN Affordable Housing, we focus on what comes before the celebration. We help people prepare, plan, and get positioned to buy with confidence. March is the strategic sweet spot to lay the groundwork. Whether you're a first-time buyer or planning your next move, the steps you take now — credit, budget, and a clear plan — put you months ah

Homeownership can transform a family's financial trajectory across generations. Here's how it works and how to maximize the opportunity....

IAH develops and sells restored single-family homes to income-qualified buyers. Homes receive full health and safety repairs, energy and...

115 Navajo Trail, Maumelle Market Rate New construction 4800 Westwood, Little Rock Completed Renovations, DPA Available 518 North...

When deciding whether to rent or buy isn’t just about comparing monthly payments. It’s about the bigger picture: your lifestyle, your...

IAH is offering fall Homebuyer Education Classes in Little Rock at IAH offices, 3224 Shackleford Pass. Little Rock, AR 72205. These...

Your mortgage payment is just the beginning. Many first-time buyers focus solely on principal and interest, only to discover that...

Here are the five most common pitfalls and exactly how to avoid them: