Self-Help Housing seeks applicants

Deep Fork Community Action Foundation’s Self-Help Housing is a very unique housing program.

This program helps eligible, income based applicants obtain mortgages to build high-quality, brick, single-story, energy-efficient homes.

Deep Fork has built over 675 homes in Okmulgee, Okfuskee, Hughes, Creek, Wagoner, Muskogee, McIntosh, Pottawatomie and Seminole counties in the last 29 years.

Self-Help housing program is funded by the USDA Rural Development and is an Equal Opportunity Program. Deep Fork helps people make application for loans to build homes that average 1,100 to 1,250 square feet, three bedrooms and two baths.

These also may include a one or two-car garage.

The amount of 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 new home owner.

Qualified applicants obtain a suitable building site which must be approved by the USDA/RD. Then applicants help build their own new homes and the homes of other families in their construction group. Some applicants already have land when they make their application.

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.

Deep Fork acts as the counseling agency prior to loan approval and provides technical assistance while the house is built.

Deep Fork receives its funding from the USDA/RD to assist with this program through a separate grant and none of the home owner’s loan money goes to Deep Fork.

All the loan funds go into the applicant’s new home. In this way, home owners are getting brand new, energy-efficient homes “at cost” which runs between $95,000 and $120,000.

Each new home generally has an appraised value of $125,000 to $160,000 when completed.

Some applicants who have very limited income can receive special low-interest rates or subsidized payments from USDA/RD.

In almost every case, program participants are able to become home owners for what it costs them to rent houses of far less quality.

Anyone interested in this program can contact Deep Fork at their office in Okmulgee toll-free at 1-888-641-2444 or you can visit their website at: for more information.

Please call to be mailed a simple pre-application form to be completed and returned to the Deep Fork office. The Self-Help Housing staff will then make contact with the interested applicants to assist them in the application process.

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