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Indian Home Loan Guarantee Program (Section 184)
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.
General Program Requirements
In order to qualify 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.
Loan TermsFixed 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.
Your Next StepsThe following information will lead you to the next steps to apply for this benefit.
A list of the U.S. Department of Housing and Urban Development (HUD) approved 184 lenders for financing homes is available online:
Program Contact Information
You may also call the program office at:1-800-561-5913
For more information, please visit HUD's Office of Native American Programs website.