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Section 184 Indian Home Loan Guarantee Program

Financing for Eligible Native American and Alaska Native Borrowers

The Section 184 Indian Home Loan Guarantee Program helps eligible Native American and Alaska Native borrowers pursue homeownership with market-rate financing. Whether you’re buying your first home or refinancing one you already have, we’ll help you find an option that fits.

  • Down payment as low as 2.25% (or 1.25% if your loan is $50,000 or less)
  • No monthly mortgage insurance — just a one-time upfront fee
  • Buy a home or refinance one you already have
  • Works for single-family homes, new construction, condos, townhome-style communities, 2-4 unit homes, and manufactured homes
  • Not limited to reservation land — buy anywhere in an eligible area nationwide
  • Open to eligible Native American and Alaska Native borrowers
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Indian Home Loan Guarantee Program FAQs

  • Who’s eligible for this program?

    This program is for eligible Native American and Alaska Native borrowers. Borrower must be an enrolled member of a federally recognized Tribe or federally recognized Alaska Native village/tribe.

  • Do I have to live on a reservation to use this loan?

    No. That’s actually one of the best parts of this program — you can buy a home anywhere in an eligible area, not just on reservation land.

  • How much do I need for a down payment?

    As little as 2.25% of the purchase price. If your loan is $50,000 or less, it drops to 1.25%.

  • Is there mortgage insurance?

    There’s no monthly mortgage insurance. Instead, there’s a one-time upfront fee. That can

    mean a lower monthly payment compared to loans that charge mortgage insurance every month.

  • Can I use this to refinance a home I already own?

    Yes. This program works for both buying a new home and refinancing one you already have.

  • What kind of homes qualify?

    Single-family homes, new construction, condos, townhome-style communities, 2-4 unit homes, and manufactured homes.

  • How do I get started?

    Reach out and we’ll walk you through it — no pressure, just a conversation about whether this is the right fit for you. Contact us!