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This program provides home ownership opportunities to Native Americans, Tribes, Tribally Designated Housing Entities (TDHEs), and Indian Housing Authorities on Indian land, through a guaranteed mortgage loan program available through private financial institutions.
To be eligible for this benefit program, you must be a Native American/American Indian in the process of buying a home that will be your primary residence. You or your family member(s) must also be enrolled in a federally recognized American Indian tribe or Alaska Native village.
A list of the U.S. Department of Housing and Urban Development (HUD) approved 184 lenders for financing homes is available online.
Fixed Rate Financing with market rate of interest. Length of Loan is 30 years or less. Payments are made monthly. The maximum loan amount is 150% of the Federal Housing Administration (FHA) lending limits for the area. There are no prepayment penalties.
| Max Loan Length | 30 Years or Less |
|---|---|
| Interest Rate | Market Rate of Interest |
| Max Loan Amount | 150% percent of the FHA lending Limits for the Area |
| Prepayment Penalties | None |