Oklahoma Community Action Project

Clients should budget 30-45 days for the process as we are scheduling clients a month in advance for classes.  The group classes and individual appointments are scheduled on a first come first serve basis.  So please refer your clients to CAP at the beginning of the home buying process to ensure a slot in our program.  Please see below the process in which the clients need to follow in order to receive assistance.

1) Attend Orientation Class – in order to attend this class all clients must call CAP to enroll in the class to reserve their seat, prior to the class.  If clients fail to contact CAP prior to the class to reserve seating, they will not be allowed to attend the class and will need to re-schedule for the next available class.  All clients attending the Orientation class will be responsible for bringing copies that CAP can keep of the following documents. 

·         2 months of most recent paystubs for all adults in the household

·         Copy of a tri-merge credit report generated by a lender within the past 30 days OR a $10.00 check or money order so that CAP can pull a copy for review

·         Copies of any additional income that the household receives (social security, court awarded child support, alimony, etc)

        2)      Readiness Assessment -  Once client completes the Orientation class and are approved to proceed in the program they will meet one-on-one with a housing counselor to review their individual readiness.  During this one-on-one meeting the credit report will be reviewed, and if necessary the client will be placed on an action plan in an effort to improve their credit score.  We will also review their individual budget and make sure they are comfortable with their proposed mortgage amount.  This meeting will be customized to each individuals need.

        3)      Attend Seminar Class – This is the last step in the program.  The seminar class lasts approximately 5 hours in length and must be attended in order to obtain the graduation certificate.

All clients will need to follow the above steps in order to participate in the First Time Homebuyer Program.  It is important for your clients to call and reserve a seat as soon as they begin the homebuyer process and attend all scheduled appointments.  This will allow us to make sure that we process them in a timely manner.  If you have any questions regarding our program, please don’t hesitate to call us.  We appreciate your business and look forward to serving your clients.

Clients can call 918-382-3247 to enroll in the First Time Homebuyer Program

CAP's business hours are Mon-Thurs 7:00a.m. - 6:00 p.m.; the office is closed on Friday's.