HUD Section 184 (Native American)

The HUD Section 184 Indian Home Loan Guarantee Program is a home mortgage program specifically designed for American Indian and Alaskan Native families. Section 184 loans are available for homes both on and off native lands and can be used for new construction, purchasing a home or a mortgage refinance. Section 184 loans offer flexible underwriting with rates and terms that are competitive with other types of mortgage financing. 

To qualify, you must be an enrolled member of a federally recognized tribe. The property must be a single-family home used as your primary residence. While the property can be on or off the reservation, only certain states and counties are eligible for Section 184 financing. Down payment requirements for Section 184 loans are very low, and gift funds and/or tribal assistance are permitted.

For more information, visit the U.S. Department of Housing and Urban Development website(link is external).

Whether you are considering purchasing a new home or deciding if it’s the right time to refinance, use our calculators to help you make your decision. Explore our helpful resources to answer many of your mortgage questions, or talk with one of our loan officers to determine the mortgage that’s right for you. 

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