Flexible Underwriting
Real Life Considered. Real Families Supported.
FHA Section 184 loans feature flexible underwriting guidelines that look beyond traditional standards to help more Native American and Alaska Native families achieve homeownership.
Compensating Factors
We consider your entire financial picture, not just your credit score.
Non-Traditional Credit
We evaluate alternative credit history when traditional credit is limited.
Higher Debt-to-Income Flexibility
Our guidelines allow for higher DTI ratios in qualifying situations.
Variable & Irregular Income
We offer solutions for self-employment, seasonal work, commissions, and more.
Manual Underwriting Options
When needed, we can use manual underwriting to find the right path.
Underwriting That Works for You
Our goal is simple: take a common-sense approach to underwriting that helps eligible borrowers overcome obstacles and achieve the dream of homeownership.
Situations We Commonly Help With
- Limited or challenged credit history
- Recent credit events or past financial difficulties
- High debt-to-income ratios
- Gaps in employment history
- Self-employment or new business ownership
- Non-traditional income sources
- Insufficient credit history to generate a score
Our Underwriting Advantages
Section 184's flexible underwriting allows us to say “yes” more often than conventional programs, creating opportunities for families who may not otherwise qualify.
Backed by HUD. Focused on You.
Every Section 184 loan is backed by the U.S. Department of Housing and Urban Development — giving you confidence in a program designed specifically to support Native American and Alaska Native households.
Let's Find the Right Solution for You
If you've been told you don't qualify elsewhere, we encourage you to explore the possibilities with a Section 184 loan. LoanCity Mortgage can review your full situation and help you find a path to homeownership.