Native American
Home Loans

Section 184 Loans

Financing Native American homeownership
on Tribal Land and Federal Trust Land.

Low Down
Payment

Tribal Land
Eligible

Flexible
Guidelines

Built on
Trust

FHA 184 Loans

Built for Native American
Homeownership.

FHA Section 184 loans make homeownership possible with flexible qualifications, low down payment options, and competitive rates.

Low Down
Payment

Flexible
Qualifications

Competitive
Rates

Built for Native
Communities

Building Our Future.

Empowering Native communities through
financial solutions rooted in trust, respect,
and long-term commitment.

Expert advice every step of the way.

Proudly supporting Native communities and families.

Decades of combined lending expertise.

Guiding you home with trust, respect, and commitment.

Solutions for every step of your journey.

Invested in our communities and your future.

Relationships that last generations.

We're here to help you build a better tomorrow.

Why Borrowers Choose FHA 184

A federal loan program designed specifically for Native American homeownership — with terms no conventional loan can match.

Only 2.25% down on loans over $50K.

Manual underwriting allows a more personal review of the borrower's full financial picture.

For loans closed on or after July 1st, 2023, there is no annual loan guarantee fee.

Eligible uses include buying an existing home, refinancing, new construction, and rehabilitation.

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