How the FHA 184 Process Works
A clear path to homeownership.
The FHA Section 184 loan process is designed to be straightforward and approachable from start to finish. We're here to guide you every step of the way.
A clear, step-by-step path to homeownership.
Connect With Us
We start with a conversation about your goals and answer any questions about the FHA 184 loan.
Review Tribal Enrollment & Eligibility
We verify your tribal enrollment and confirm you meet FHA 184 program eligibility.
Complete Loan Application
We collect your basic financial information and documentation to start your loan application.
Income, Credit, & Property Review
We review your income, credit, and the property to ensure the loan meets program guidelines.
HUD Section 184 Review
Your loan is submitted to HUD for approval. Once approved, we'll prepare for closing.
Close on Your Home
We finalize the details, complete closing, and get you the keys to your new home!
Typical Timeline
Most FHA 184 loans can close in as little as 30–45 days, depending on the complexity of the transaction and how quickly documents are provided.
We're With You All the Way
From your first call to closing day and beyond, our team is here to make the process smooth, clear, and stress-free.
Not Sure If You Qualify?
Let's review your situation. We're happy to answer your questions and help you understand your options.
Get Pre-QualifiedTribal Enrollment
You must be a member of a federally recognized tribe.
Steady Income
A reliable, verifiable income source to support your mortgage payments.
Credit History
We look at your credit profile to ensure responsible credit use.
Property Eligibility
The home must be your primary residence and meet HUD guidelines.
Debt-to-Income Ratio
Your monthly debts should fit within program guidelines.
Documentation
We'll guide you through the documents needed to verify your information.
Ready to Begin Your Journey?
Wherever you are in the process, LoanCity Mortgage is ready to guide you. Reach out today and take the first step toward owning your home with a Section 184 loan.