Deep Fork Self-Help Housing
Helping Families. Building Futures.
Deep Fork Community Action Self-Help Housing program is unique. It
helps eligible income based applicants obtain mortgages to build high
quality, brick, single story, energy efficient homes. Deep Fork
Community Action Self-Help Housing program was established in 1988
and has assisted over 600 families in becoming proud Homeowners. The
purpose of the Section 502 Mutual Self-Help Housing Program is to
provide housing opportunities for very low to low income based
households. The program is targeted to those families who are unable to
obtain decent, safe and affordable housing through conventional methods.
The Self-Help Housing program is funded by the United States
Department of Agriculture/Rural Development (USDA/RD) and is an
Equal Opportunity Program. The program helps qualified applicants to
obtain a 33 year mortgage to build homes. These homes average 1,000 to
1,200 square feet living area. These may also include a one or two car
garage. The amount of the loan that the applicant qualifies for determines
the size of the home built. It generally takes six months from closing on
the loan to complete the construction and receive the front door key as a
Qualified applicants must obtain a suitable building site. If assistance is
needed in finding a build site, Self-Help Housing staff will provide this.
This building site must be approved by the USDA/RD. Some applicants
already have land when they submit their application. Note that this
program can be used to tear down a sub-standard home and build a new
one on the same site. There is no down payment requirement because
each qualified family provides "sweat equity" that helps keep the
construction costs of their new home as low as possible. They help build
their new homes and the homes of other families in their construction
group under the supervision of our experienced Construction Supervisors.
In this way, homeowners are getting brand new, energy efficient homes
"at cost" which runs between $80,000 to $90,000, which varies based on
cost of land. Each new home generally has an appraised value of $110,000
to $120,000 when complete. Some applicants who have very limited
income receive special low interest rates or subsidized payments from
USDA/RD. In almost every case, program participants are able to become
Homeowners for what it costs them to rent houses of far less quality.
Deep Fork Self-Help Housing acts as the counseling agency prior to loan
approval and provides technical assistance while the house is being built.
Deep Fork Self-Help Housing receives its funding from the USDA/RD to
assist with this program through a separate grant for Technical
Assistance. None of the Homeowners loan money goes to Deep Fork
Self-Help Housing. All the loan funds go into their new home. Eligibility
and loan terms are not determined by Deep Fork Community Action, but
by the lender USDA/RD.
Any interested applicants can contact Deep Fork Self-Help Housing for
assistance with the application process. Let us help make the American
Dream of Homeownership a reality for you.
Brenda Turner, Program Director
1015 E. 13th St. Okmulgee, OK 74447
Phone (918) 756-2444
Fax (918) 756-2441
Toll Free 888-641-2444
311 W. Lafayette Checotah, OK 74426
Phone (918) 473-4522
Fax (918) 473-7017
Toll Free 888-641-2444
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|In accordance with Federal Law and U.S.
Department of Agriculture policy, this institution is
prohibited from discriminating on the basis of race,
color, national origin, age, disability, religion, sex
and familial status. (Not all prohibited bases apply
to all programs). To file a complaint of
discrimination, write USDA, Director, Office of Civil
Rights, 1400 Independence Ave., S.W., Washington
D.C. 20250-9410 or call (800) 795-3272 (voice) or (202)
|Deep Fork Mutual Self-Help Housing program serves the following counties:
Creek, Hughes, Okfuskee, Okmulgee, Muskogee, McIntosh and Wagoner.