Choctaw Homebuyer Advantage Program

Choctaw Homebuyer Advantage Program (CHAP)

Offers loans to eligible tribal members with no maximum income limits. Qualify for a mortgage loan according to credit and debt ratios.


  • Proof of Choctaw Tribal Membership
  • Copy of front and back of CDIB and Tribal Membership card
  • Copy of most recent pay stub for a 30-day period
  • Must provide landlord or mortgage lenders information for the last two years
  • Copy of award letter for SSI, AFDC, retirement income, etc.
  • Copy of W2 for past two years
  • Copy of past two years date and filed federal tax return or tax transcripts
  • Copy of most recent bank statement with bank name, address, and account information
  • Copy of SSN card and a valid state issued photo ID or driver's license for all borrowers

How to Apply

Apply online, via mail, or email with Choctaw Home Finance for a referral to an approved lender

Choctaw Homebuyer Advantage Program (CHAP)
PO Box G
Hugo, OK 74743
Fax: 580-326-7641

Additional Information

Lending areas approved by participating lenders. Please call for specific state requirements. Out of state loans must originate with Choctaw Home Finance.

  • Term: up to 30 years
  • Credit guidelines must be met
  • Funds are based on first-come, first-serve basis
  • All loan funds are subject to availability