Purchase
Buy a home with a low down payment and competitive rates. The perfect option for first-time and repeat homebuyers.
- Low down payment options
- Competitive interest rates
- No monthly mortgage insurance
FHA 184 Loans
For Purchase, Refinance, Build, or Rehab.
The Section 184 Indian Home Loan Guarantee Program offers flexible financing options to help Native American and Alaska Native families achieve homeownership in the way that best fits their needs.
One Loan. Many Possibilities.
FHA 184 Loans can be used for a variety of homeownership needs.
Refinance
Lower your interest rate, reduce your monthly payment, or cash out equity to use for what matters most.
- Rate and term refinance
- Cash-out refinance
- Lower monthly payments
Build
Build your dream home from the ground up on trust or restricted land you already own.
- Construction-to-permanent financing
- Flexible disbursement options
- Financing for site improvements
Rehab
Finance the purchase and renovation of a home in need of repairs or updates.
- Purchase and rehab financing
- Increase home value
- Repairs and improvements in one loan
Built for Native American and Alaska Native Families
The Section 184 loan program was created by HUD to expand Native American and Alaska Native homeownership and strengthen communities for generations to come.
Program Highlights
- Low down payment options
- Flexible underwriting
- No monthly mortgage insurance
- Competitive interest rates
- Financing on trust or restricted lands
- For primary residences only
- Backed by the U.S. Department of Housing and Urban Development (HUD)
Whatever Your Homeownership Goals, We're Here to Help.
Whether you're buying, refinancing, building, or renovating a home, FHA 184 loans offer the flexibility and support you need.