Learn about the process of becoming a Habitat Homeowner

Muskogee Habitat for Humanity builds homes in partnership with qualifying partner families and the community, and then sells the homes at no profit with zero percent interest mortgages to partnering families. Muskogee Habitat also prepares partner families to be successful homeowners. The following steps describe the process of becoming a Habitat Homeowner:


Step 1: Do you meet the following requirements for Habitat homeownership?

Must have lived in the City of Muskogee for at least two years
Must meet Muskogee Habitat’s income guidelines and credit standards.
Must acknowledge and accept the responsibilities of homeownership.
Must attend all sessions of Habitat homeowner training
Must contribute 300-500 hours of work toward the construction of Habitat homes


Step 2: Attend a Habitat Homeownership Exploration Session

Interested Muskogee residents must attend a Homeownership Exploration Session. Meetings are held twice a year. Participants learn more about homeownership basics and the Muskogee Habitat’s process. People wishing to be screened must complete an eligibility questionnaire. To sign up for an orientation, call 918-687-1470.


Step 3: Application Process

If a family is invited to apply after determining initial eligibility, the application process typically takes between 3 and 4 months. The process has several steps, including completion of the program application and other requested materials, a meeting with Habitat staff to review the application and materials for completeness, and an in home interview with the applicant family.


Step 4: Matching Process

Once the above steps are complete and an applicant family is determined to be eligible,the application remains active for one year. Within that year, eligible applicants may or may not be selected to purchase a Habitat home. Applicants are matched to homes based on the size and location of the available Habitat homes compared to the needs of the pool of eligible applicants (i.e. size of family and desired location). Currently, Muskogee Habitat builds 2 homes a year and is able to match 2 qualified applicants to those homes.


Step 5: Homeowner Education

Once matched to a home, all prospective Habitat homeowners are required to complete all required homeowner training sessions prior to home closing. Topics include money management and budgeting, mortgages and financial fitness, home maintenance and safety, and community involvement and engagement.

This training curriculum provides families with a sound foundation of knowledge designed to boost homeownership success. Once a family moves into their homes, a Neighborhood Family Partner (a Habitat volunteer from local communities where the home was built) meets regularly with the new Habitat homeowner to provide a warm welcome to the community, a resource for house maintenance questions, and a link to the local community.