Native American Loans

Native American Home Loans

*NOTE: Until further notice, the Office of Loan Guarantee, Section 184 Program is not offering program training. Sorry for the inconvenience.
Your continued interest and support of the 184 Loan Program is appreciated.

What is the Section 184 Loan Guarantee Program?

The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

Because of the unique status of Indian lands being held in Trust, Native American homeownership has historically been an underserved market. Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Program.

To help increase Native access to financing, the Office of Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native Borrowers. By guaranteeing these loans 100%, we encourage Lenders to serve the Native Communities. This increases the marketability and value of the Native assets and strengthens the financial standing of Native Communities.

Section 184 is synonymous with home ownership in Indian Country. As of 2014, the Section 184 program has guaranteed over 24, 000 loans (almost $4 billion dollars in guaranteed funds) to individuals, Tribes, and TDHEs.

The program has grown to include eligible areas, determined by participating tribes, across the country.

Interesting facts

  • iGrad is a website that was founded by a group of former financial aid professionals in January 2009 to provide tools and online content for college students and recent college graduates. iGrad also administers Entrance and Exit loan counseling for students with federal student loans.
    On April 28, 2010, iGrad sponsored a roundtable on higher...
  • Ken Silverstein is an American business journalist specializing in writing about energy. He is the editor-in-chief of the online publication EnergyBiz Insider and a Forbes contributor. He is based in Charleston, West Virginia.
    Silverstein received a BA and an MBA from Tulane University, and an MA in print journalism from American University...

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Popular Q&A

No funding for section 184/Native American loans?

After reading it, I am even less sure of what my next action should be. all of the if's bother me a lot. I really just can't tell if it's a formality or if I'm not going to get section 184 funding. if we are forced to go with an entirely different kind of loan, we would probably need to do a 20 percent down conventional loan. Because I hate to do an FHA loan and pay . I will have to do some scrambling to come up with 20 percent. Grrrrrrrt just grrrrrrr!