Green Country Habitat Homes of Valor (Veteran Homeownership Program)

What is Green Country Habitat Homes of Valor (Veteran Homeownership Program)?

Green Country Habitat Homes of Valor (Veteran Homeownership Program) is a first mortgage for homebuyers in Tulsa, Oklahoma, administered by Green Country Habitat for Humanity.

• Homes of Valor is Green Country Habitat for Humanity's homeownership program specifically designed for low-income veterans, active duty military (National Guard included), and Gold Star families. It provides affordable fixed-rate home loan options, individualized homebuying counseling and financial education, and disability accommodations. Participants must meet standard Habitat income requirements (80% AMI max) and credit criteria (600+).
• Affordable fixed-rate mortgage with no traditional down payment.
• Disability accommodation for home modifications.
• Individualized counseling.
• Tailored to military service.
• Funding comes from Charitable donations, corporate sponsors, Green Country Habitat for Humanity.

Do you have to pay it back?

Green Country Habitat Homes of Valor (Veteran Homeownership Program) is a first mortgage and is repaid under the terms set by Green Country Habitat for Humanity.

• The assistance is recorded in first position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Green Country Habitat Homes of Valor (Veteran Homeownership Program) is open to buyers who will live in the home as their primary residence.

What are the income limits?

Green Country Habitat Homes of Valor (Veteran Homeownership Program) limits household income to 80% of the area median income, which varies by county and household size.

• Income requirements same as standard Green Country Habitat homebuyer program: minimum $37,000 (1-person) to maximum $150,480 (8-person) at approximately 80% AMI.
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Green Country Habitat Homes of Valor (Veteran Homeownership Program) caps the purchase price as follows: Habitat home sold at cost; pricing set by Green Country Habitat.

• Eligible property types include Single Family.
• New construction is eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

Green Country Habitat Homes of Valor (Veteran Homeownership Program) names veterans, active-duty service members, surviving spouses, and buyers with disabilities among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Green Country Habitat Homes of Valor (Veteran Homeownership Program) serves buyers purchasing in Tulsa, Oklahoma.

• The program targets specific areas: Tulsa area where Green Country Habitat builds: North Tulsa, East Tulsa, Wagoner.

How do you apply?

Applications for Green Country Habitat Homes of Valor (Veteran Homeownership Program) go through Green Country Habitat for Humanity, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Financial literacy and homeownership education by Green Country Habitat.

2. 2

   Contact Green Country Habitat for Humanity to reserve funds

   Funds are reserved through Application through Green Country Habitat orientation process, and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.