Program overview
How it works
Ouachita Front Porch is designed to be simple to understand and easy to run — so it can scale with more participating employers and local banks.
Three simple steps
1) Employer participates
Employers help fund the incentive pool and share the program with eligible employees.
2) Local bank originates the loan
The home purchase or build is financed through a participating local bank.
3) Incentive is forgiven over time
A forgivable loan structure rewards long-term homeownership and workforce stability.
Baseline structure (example)
- • 5% incentive for existing homes (example: $5k–$25k)
- • 10% incentive for new construction (example: $20k–$50k)
- • 4-year forgiveness term
Final terms are set locally with participating partners.
Built around action
This program is designed to move — check eligibility, submit an application, and request participation as an employer or bank.