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Step 1: Figure out what fits on your site

Start by identifying natural features like significant trees, shrubs, and landforms that should be preserved whenever feasible. Use the Site Plan Checklist and Grading and Drainage Plans Checklist to guide your layout while considering important constraints such as setbacks, utility easements, and required green or private space. See the Site Plan Principles and Approaches for helpful site planning tips. Make sure to account for necessary elements like building footprints, parking (on-street or off-street), and access routes, minimizing site disturbance wherever possible. Thoughtful planning can help balance functional needs with environmental sensitivity and regulatory requirements.

Hire us to plan your site!

Step 2: Pick your plan(s)

Choosing the right home starts with the right plan. Our catalog features 18 thoughtfully designed, pre-approved plans that balance architectural quality, local character, and functional living space.

Browse the T-Town HOME Catalog to explore a range of floor plans and exterior styles, from compact cottages and ADUs to small multi-family homes. Whether you're building for your family, creating a rental unit, or adding to the community's housing mix, there's a plan to meet your needs and your neighborhood’s character.

Construction of pre-approved buildings should closely follow the approved drawings, details, specifications, and program guide. Some homeowner variations can enhance architectural variety and address practical challenges.

Explore the Allowable Variations here.

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Step 3: Apply for construction financing

Applying for construction financing in Tulsa starts with a clear understanding of your approved housing plans, site survey requirements, and any additional engineering needs for septic or soil conditions. After selecting your house plan(s), approach a local lender or bank to learn about the types of construction loans they offer. Submit a formal loan application for construction financing with the required documentation (e.g. plans, a detailed construction budget, contractor information, proof of land ownership or purchase agreement, personal financial documents, etc.). The lender will review your application, order an appraisal based on the plans, and determine loan eligibility. Once approved, funds are typically disbursed in stages as construction progresses.

Step 4: Apply for a building permit

Send us your project address and sign the License and Terms of Use Agreement. We'll send you a full set of building plans with a unique serial number within three business days.

Apply for any required approvals for your unique project and site (e.g. planning commission, board of adjustment, historic preservation, right-of-way, etc.). Confirm that your permit site plan is complete with all of the information necessary for the permit application.

Apply for your building permit. In addition to the required application documents, be sure to include: 

  • A T-Town HOME Catalog Plans Building Permit Set;
  • A compliant site plan per the T-Town HOME Catalog Program Guidelines; and
  • A signed License Agreement and Terms of Use document for use of the T-Town HOME Catalog Building Permit Set.

We recommend scheduling a HOME Catalog pre-development meeting with city staff prior to submitting for permits to discuss your project and understand the required approvals. See the program Process and Flow Chart for additional help. Make sure to review the city's permitting processes and applications.

Step 5: Obtain approval and begin construction

After submitting your application and paying fees, the city will review it and schedule any required inspections. Most applicants receive construction approval within 1–2 weeks, assuming no technical issues arise. Multiple rounds of inspections will be required throughout construction.

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