Welcome to

Self - Help Housing

About Us


How We're Helping

Tri-County Indian Nations is a non-profit CDC started in 1994 to focus on the betterment of our area. Our mission includes developing high quality, affordable housing, building community development, and non-profit capacity building.    Tri-County is a non-profit (501c3) Community Development Corporation.    


Our Mission

Tri-County's mission is to guide, initiate, implement, and fund strategies and programs that promote opportunities for economic and self improvement throughout the entire Tri-County Enterprise Community.  Tri-County's goals include:   Economic opportunities – creating jobs, attracting private partnerships, workforce development, providing business assistance (loans)   


Community Development

Adequate and affordable housing - Self-Help Housing, community outreach, support for long range planning,  Sustainable community development - Promoting physical and human development -- such as safe streets, clean air and water, lifelong learning, healthy communities and a commitment to personal, family, and civic responsibility.

What Is Tri County's Self Help Housing Program?

What do we do?

Our program enables qualified individuals and families to be able to build new homes.  This program is offered to you by a combination of government financing, the coordination of Tri-County OK, and the family’s labor.


  • Be within income level guidelines
  • Have less than 41% debt to income ratio
  • Consistent work history
  • Steady source of income
  • Acceptable credit record and score

* If you have past credit problems, call us or come visit.  This may not hurt your chances of owning your own home. 

Service Counties

Coal County, Oklahoma

Garvin County, Oklahoma

Johnston County, Oklahoma

Murray County, Oklahoma

Pontotoc County, Oklahoma

Income Guidelines


Varies with County and Family Size

Income limits are subject to change without notice

House Features

  • 3 or 4 bedroom floor plans
  • Decorations choices
  • Brick Exterior
  • Energy efficient construction
  • Composition roof
  • Central heating and air conditioning
  • Dishwasher, range and microwave included
  • Attached 2 car garage
  • Paved driveway pad

Benefits of Our Program

  • No Down Payment
  • Payments and Interest are adjusted to your income
  • Enjoy a Home you helped build with instant equity
  • Provides Secure and Suitable Housing
  • Improves Family Values
  • Allows families to graduate from renter status to homeownership
  • Promotes parent's and children's self esteem
  • Learn carpentry skills

Requirements Of Our Home Builders

  • Paint inside and outside of home
  • Caulk inside and outside of home where instructed
  • Help install interior trim and doors
  • Help insulate walls
  • Keep building site clean inside and outside of home
  • Keep yard mowed during and after construction
  • Complete a free session of Homebuyers Education class sponsored by The Chickasaw Nation
  • Be a part of a home builders team
  • Help your team complete tasks at their homes and receive work credit

Printable Application

Application Fee of $15 for Single Family or $20 for Couple.  Cash, Cashiers Checks or Money Orders Accepted

Meet Our Board

Kevin Flowers - Chairman, Cecil Carter - Vice Chair, Lona Barrick - Secretary/Treasurer, Billie Floyd, Jackie Holt, Johnny Ward, Lona Barrick - Chickasaw Nation, John Redman Choctaw Nation

No upcoming events.

Hours & Location


122 E Main St, Ada, Oklahoma 74820, United States

(580) 310-9300


Open today

08:00 am – 04:30 pm

Contact Us

Drop us a line!

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Carolyn Hill - Housing Director   chill@tri-countyok.org

Gary Guinn - Construction Supervisor  gguinn@tri-countyok.org

Shawna Graves - Accounts Specialist sgraves@tri-countyok.org

Tri County Indian Nations

122 East Main Street, Ada, Oklahoma 74820, United States

580-310-9300 580-310-9826 Fax