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.


Visit HUD.GOV for more information about Section 184 Indian Home Loan Guarantee Program.


HUD Section 184: Native American Borrowers

  • Must be enrolled in a federally recognized tribe
  • 100% financing is available for qualified lower income borrowers
  • 97.75% financing for any income with NO private mortgage insurance
  • Expanded debt ratios allowed
  • Competitive interest rates
  • NAHI (Native American Homeowners Initiative) Grants: Up to $10,000.00 for down payment, closing costs and rehab funds. Income restrictive
  • Sellers can pay up to 6% towards closing costs.
  • Single wide mobile homes built after 1980 that meet HUD spec’s
  • Double wide mobile homes built after 1980 that meet HUD Specs
  • No minimum credit scores required.
  • Direct lenders and underwriting done in Onamia.


To begin select the "Apply" button in the HUD Section 184 area of our online application page!