Home Ownership

Tahlequah Area Habitat for Humanity accepts applications for new homeowner partners. Homeowners are selected based on three criteria: (1) The applicant’s level of need; (2) Their willingness to partner with Habitat; and (3) Their ability to repay a mortgage through an affordable payment plan. Potential homeowners must meet income guidelines, be a US Citizen or Legal Resident, have credit of 640 or better and not be a registered sex offender. Homes must be built in Cherokee County.

In collaboration with the USDA, TAHFH helps potential homeowners apply for an affordable, low-interest mortgage through the USDA’s Rural Development program. Habitat’s homebuyers invest hundreds of hours of their own labor, called sweat equity, working alongside volunteers and other Habitat homeowners to help build their own homes. No profit is charged for building the house. Applications can be picked up at the TAHFH Office at 816 South College Avenue (the corner of College Avenue and First Street). Assistance is available for those needing help with the application process.

Additional application requirements include:

Be a resident of Cherokee County for at least one year. 
Be a U.S. Citizen or Legal U.S. Resident.
Have steady employment and be able to pay back a mortgage.
Be willing to accept a house on a lot owned by TAHFH, OR own suitable land for house building that is paid for with a clear title.
Meet HUD low-income guidelines.
Be willing to apply for a USDA low interest mortgage.  We will help you fill out the forms.
Earn enough to pay back a mortgage without consuming more than 29% of your income.  That amount varies depending on the house size for which you qualify.
Be willing to partner or work closely with TAHFH and help build your house.

To learn about other requirements, contact TAHFH.

In collaboration with the USDA, TAHFH helps potential homeowners apply for an affordable, low-interest mortgage through the USDA’s Rural Development program. Habitat’s homebuyers invest hundreds of hours of their own labor, called sweat equity, working alongside volunteers and other Habitat homeowners to help build their own homes. No profit is charged for building the house. Applications can be picked up at the TAHFH Office at 816 S. College Avenue (the corner of College Avenue and First Street).  Assistance is available for those needing help with the application process.  Tahlequah Area Habitat for Humanity holds workshops annually to select Habitat homeowners.  For more information, or to attend one of our Applicant Orientation meetings, please call 918.453.1332.

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