My experience with LaDonna Northcross and the Creek Nation Mortgage Assistance Program has been one of the most exciting experiences of my life. This program has made my dream of becoming a homeowner come true. Without this program, there is no way that I would have been able to· buy my own house before the age of 30. (possibly even 40!) I am very grateful for Mrs. Northcross and the whole staff at the Creek Nation Housing Department. They are all very knowledgeable and caring when it comes to buying a home. They gave me great advice, useful information at the Homebuyer's class, and kept my best interests in mind at all times: It was very reassuring to me to know that I had many people supporting me and. guiding me through the stressful, home buying process. I am so thankful for this program and highly recommend this program to any Creek Nation citizen interested in buying their first home. Words can't even describe how rare and valuable this program is.
A. Gambler
First Time Homebuyer


Mortgage Down Payment and Closing Cost Program

The Mortgage Down Payment and Closing Costs Program helps Native American families become first-time homeowners. Because of the high cost of obtaining a mortgage loan many Native American families find it difficult to become homeowners. The Mortgage Assistance Program helps eligible families meet this problem by helping with grant assistance for down payment and closing costs.

To be eligible, clients must meet program guidelines established by the Native American Housing and Self-Determination Act (NAHASDA). If a client is determined eligible they will then be referred to a HUD certified lender.


To be eligible for admission to the Mortgage Down Payment and Closing Cost Program applicants must:

  • Live within the State of Oklahoma.
  • Be a first time home buyer.
  • Not be an existing or former Mutual Help Participant of NAHASDA Home buyer/Lease with option to Purchase regardless of a Housing Service Area.
  • Have an annual family income which does not exceed 80% of the national Median income published by HUD.
  • Be 18 years or older.
  • Provide all requested information, CDIB for preference purposes, Social Security cards, and employment verification for each working family member on the required forms.
  • Sign all required forms including the consent for disclosure of information.
  • Be able to meet all credit check and financial obligations for loan assistance from an approved and certified financial lender.
  • Preference given to Creek Citizens

Please print 1-sided only

P.O. Box 297
Okmulgee, Ok 74447
1.918.549.2500 1.800.482.1979

Q. Can The MDP&CC program help me with my present mortgage?

A. The MDP&CC Program is for first time homebuyers only and cannot provide any type of assistance for persons already having an existing mortgage.

Q. What is the MDP&CC definition of first time home buyer?

A. Not having ownership or deed to your place of residence five years prior to applying to the MDP&CC program.

Q. I live outside the Creek Boundaries. Can I still apply?

A. If you live within the state of Oklahoma or are planning to make your principle residence in Oklahoma you may apply.

Q. I am considering signing a contract to buy a house. Can I still apply to the program?

A. To be eligible for the MDP&CC program you must not be in any contract with a seller or lender.

Q. Does my credit rating affect my eligibility?

A. Your credit scores will determine whether you are approved by a lender and will also determine if you will be approved through the MDP&CC program.