Native American Loans

Native American Loans or HUD Section 184 Home Loan program is available to any member of a federally recognized Tribe. Native American Loans have No income caps or degree of Indian Blood requirements to use the Loan. You just need your Native American citizenship card from your Tribe to qualify for the Section 184 Home loan.

These Native American Loans are offered in Oklahoma, Kansas, Colorado, California, Florida, Washington New Mexico and Oregon. Also in these states there are no location restrictions so you can purchase a home anywhere in the state. The program is unique because whether you purchase, refinance or build it is only 2.25% down for the entire purchase price.

Please call 918-582-7283 or apply online so we can customize the loan to your exact needs.

Common FAQ’s

What are the Main benefits of these Native American Loans?

Native American Loans Only requires 2.25% down and Low Monthly PMI! (only $15 monthly for every 100k financed)

How do I know if I qualify?

Most tribes provide a citizenship card or document. Just send it in with the loan application.

Native American Loans for First Time Buyer

Native American Loan for First Time Home Buyer

Are there credit score requirements for the Native American Home Loans

No. We are looking for borrowers that have more than 12 months of credit history with no open collections or 30 day late payments with 12 months.

Do I have to purchase on Indian Land?

No. Loans are available anywhere in Oklahoma, Kansas, Colorado, California, Florida, Washington, New Mexico and Oregon is fine.

Is this a low income housing program?

No. All incomes are accepted.

Why doesn’t my Bank offer this program?

The bank might offer Home Loan for Native Americans, (HUD Approved Lenders) but the loan officers don’t have experience with the program. So the process becomes a nightmare. We specialize in the program and can make the entire experience smooth.