Chapter 6: Housing


Section 10: Rural Housing



Listing by City.

Oklahoma Rural Development

The U.S. Department of Agriculture (USDA) administers rural development programs that include housing for individuals and families, help for entities trying to develop housing, and activities to develop rural communities, infrastructures and businesses.

Direct Loan Program (Section 502): Home loans with low interest rates. Most Section 502 loans are made to families with incomes below 80 percent of the median income level in the communities in which they live. These direct loans are made for home purchase or construction.

Loan Guarantee Program (Section 502): Under this program, the Rural Housing Service (RHS) guarantees loans made by private sector lenders. This means that should an individual borrower default on a loan, RHS will pay the private financier for the loan. Under the terms of this program, a family may borrow up to 100 percent of the appraised value of a home, thus eliminating the need for a down payment.

Mutual Self-Help Housing Program: The Self-Help Housing Program makes homes affordable by enabling future homeowners to work on homes themselves. Qualified applicants must complete 65 percent of the work to build their own home. This reduces the cost of the home. Program enrollees also usually obtain loans through the Direct Loan Program. The Self-Help Program also provides grants to nonprofit groups and local governments which then supervise groups of 5 to 12 enrollees in the Self-Help Program. Members of each group help work on each others homes, moving in only when all homes are completed.

Home Repair Loan and Grant Program (Section 504): This program offers low interest loans and grants to very low income individuals and families who own homes in need of repair or accessibility modifications. Homeowners age 62 and over are eligible for home improvement grants. Other low income families and individuals receive loans at a one percent interest rate, with the option to pay a loan out over a 20-year period. Under this program, loans up to $20,000 and grants of up to $7,500 are available. Grant/loan combinations are possible if a person can repay part of the repair cost.

Multi-Family Housing Rental Assistance Program (Section 521): Provides finance options to developers of low-income community housing in rural areas. Residents of these housing developments can apply for rental assistance to lower their rent to no more than 30 percent of their income.

100 USDA, Ste. 108
Stillwater , OK 74074

Voice: 

405-742-1000

TTY: 

405-742-1007

Fax: 

405-742-1005

Oklahoma Rural Development - Ada

Counties Served: Bryan, Carter, Coal, Johnston, Love, Marshall, Murray and Pontotoc.

1312 Cradduck Rd.
Ada , OK 74820

Voice: 

580-332-3070

Fax: 

580-332-4256

Oklahoma Rural Development - Antlers

Counties Served: Atoka, Choctaw, McCurtain, and Pushmataha.

508 Highway 271 North, P.O. Box 357
Antlers , OK 74523

Voice: 

580-298-3339

Fax: 

580-298-3480

Oklahoma Rural Development - Chandler

Counties Served: Creek, Lincoln, Okfuskee, Pawnee, Payne, Pottawatomie, and Seminole.

210 N. Sandy Ln., Ste. B
Chandler , OK 74834

Voice: 

405-258-1043

Fax: 

405-258-1237

Oklahoma Rural Development - Cordell

Counties Served: Beckham, Caddo, Custer, Greer, Harmon, Jackson, Kiowa, Roger Mills, and Washita.

1505 N. Glenn English
Cordell , OK 73632

Voice: 

580-832-3393

Fax: 

580-832-2434

Oklahoma Rural Development - Duncan

Counties Served: Cleveland, Comanche, Cotton, Garvin, Grady, Jefferson, McClain, Stephens and Tillman.

3901 W. Beech
Duncan , OK 73533

Voice: 

580-255-7676

Fax: 

580-252-7081

Oklahoma Rural Development - Enid

Counties Served: Canadian, Garfield, Grant, Kay, Kingfisher, Logan, Noble, and Oklahoma.

1216 W. Willow, Ste. B
Enid , OK 73703

Voice: 

580-237-4323

Fax: 

580-233-4608

Oklahoma Rural Development - McAlester

Counties Served: Haskell, Hughs, Latimer, LeFlore, McIntosh, and Pittsburg.

200 S. 3rd St., Ste. A
McAlester , OK 74501

Voice: 

918-423-7602

Fax: 

918-423-2745

Oklahoma Rural Development - Muskogee

Counties Served: Adair, Cherokee, Muskogee, Okmulgee, Sequoyah, Tulsa, and Wagoner.

3001 Azalea Park Dr., Ste. 3
Muskogee , OK 74401

Voice: 

918-686-0669

Fax: 

918-686-0648

Oklahoma Rural Development - Vinita

Email:

william.terrell@ok.usda. gov

Counties Served: Craig, Delaware, Mayes, Nowata, Osage, Ottawa, Rogers, and Washington.

235 W. Hope, P.O. Box 593
Vinita , OK 74301

Voice: 

918-256-7863

Fax: 

918-256-2407

Oklahoma Rural Development - Woodward

Counties Served: Alfalfa, Blaine, Beaver, Cimarron, Dewey, Ellis, Harper, Major, Texas, Woods, and Woodward

4902 Oklahoma Avenue
Woodward , OK 73801

Voice: 

580-256-3375

Fax: 

580-254-5236