Cherokee Nation Home Loan

Cherokee Nation 184 Home Loan -ᎤᎵᎮᎵᏍᏗ (Ulihelisdi) Cherokee Nation.  The Cherokee Nation of Oklahoma Members are eligible for our HUD Section 184 Native American Home Loan.  Cherokee Nation members can purchase in all eligible states and territories in and outside of Oklahoma through Today Lending.  Cherokee Nation Home Loan offers a reduced interest rate and closing cost loan with no maximum income guidelines for Cherokee Nation members.

– 2.25% down payment necessity for loans more than $50,000.

Cherokee Nation DPA

Cherokee Nation Map for Down Payment Assistance

– Low Monthly mortgage insurance.  (Only $25 per month for every 100k financed.)

– A one-time, 1.5 percent loan guarantee fee that could be additional to your financed loan.

– HUD underwriters are recognizable with the exclusive situations as well as circumstances concerned while acquiring financing on the American Indian land.

There are many alternatives for loans obtainable through Section 184 Program. Borrowers could:

– Buy an existing home.

– Build a new home (stick-built or a manufactured home on enduring basis).

– Rehabilitate a home.

– Buy and regenerate a home.

– Refinance an obtainable mortgage (Rate & Term, Streamline and Cash-Out).

-For returning customers we also offer a no-closing cost option.

Down payment assistance:

Cherokee Nation Down-Payment Assistance Program is Separate from Today Lending.  Down-payment assistance is completely separate from you loan qualification.  Your loan is still available even if you do not qualify for DPA.

The  Cherokee Nation Housing Authority was created in 1966 to support comfortable, sanitary housing.

The MAP program provides qualified Cherokee citizens with down payment assistance up to $25,000. For more information please contact Cherokee Nation Commerce Services at 918.453.5536  918.453.5536 or

The Mortgage Assistance and Self Sufficiency programs allow Cherokee citizens to build and repair their credit.  This program provides qualified citizens with down payment and closing costs assistance in obtaining a mortgage to purchase or construct a home.  Income guidelines are 80% of National Median Income (NMI) or below.”

Apply Now!