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California Native American Home Loans

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California NATIVE AMERICAN Home lender

Are you a California Native American?  Capital Home Mortgage California is a California Native American Home Lender dedicated to helping California residents with California Native American Home Loans. The California HUD-184 Loan  is a federally-backed loan program by the Department of Housing and Urban Development offering low California Native American Mortgage Rates.  It was created specifically to provide Native American tribal members access to mortgage financing with flexible terms.  The California Section 184 Loan Program is open to any one member of a federally recognized tribe.  The Loan is available to all Native Americans, first-time and repeat homebuyers, as long as they have a Tribal Membership or Citizen Card from a tribe officially recognized by the government.  If you are a member of a California Native Tribe and believe you may be eligible for a California Section 184 loan, our dedicated HUD 184 Loan officers can help!  We provide free consultations, answer any questions you may have about a Section 184 mortgage, and will walk you through all available loan options.

Capital Home Mortgage California is a full-service California Native American Mortgage Lender that offers and specializes in Native American Home Loans in California . We have helped countless California Native Americans achieve their homeownership, and we can do the same for you too!  Call today (323) 767-8899 to speak with one of our California  HUD-184 Home Loan Specialist.

California Native American Home Loans

Qualifying for a California HUD 184 Loan

Are You Interested in a California HUD-184 Loan?  Here are some important details you need to know before applying for the Native American Home Loans.

  • Credit Score:  The HUD-184 Loan does not require a minimum credit score, making it ideal for qualified but credit-challenged borrowers.
  • Debt-to-Income Ratio:  A single back ratio of 41% debt-to-income ratio to determine the loan size borrowers can afford.
  • Borrower Income Limit:  The HUD-184 Loan does not apply to borrower income limits.
  • Down Payment :  The HUD-184 Loan has some of the lowest down payment requirements in the market.
  • Closing Costs: This money could come from your savings, investments, or gifts from family members. Tribal assistance is also accepted.
  • First-Time and Repeat Buyers: Compared to other low-down-payment mortgage programs, this one is open to first-time and repeat home buyers.
  • Eligible borrowers may participate in the program multiple times but are allowed only one Section 184 Loan at a time

California Native American Purchase Loan

California HUD 184 Home Loans are solely for Native Americans and offer a variety of purchase benefits.

  • Primary Residences Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase an Existing Home
  • Construction of a New Home
  • Rehab an Existing Home
  • Purchase / Rehab Combo Loan

California Native American Refinance Loan

California HUD 184 Refinance Home Loans can streamline rate & term, equity cash-out, or Rehabilitation of current residence.

CAsh-Out or Renovation

  • Appraisal Required
  • 97.75% Max LTV for Rehab
  • 85% Max LTV for Cash-out
  • County Loan Limits Apply

Streamline REfinance

  • HUD 184 to HUD 184
  • No Income Qualification
  • No Appraisal Required
  • No Mortgage Lates in Last Year

California Native Americans Overview

California is home to a diverse array of Native American tribes, each with its own unique culture, traditions, and history.  Some of the prominent Native American tribes in California include:

Ohlone: The Ohlone people historically inhabited the coastal areas of what is now the San Francisco Bay Area. They lived in small, scattered villages and relied on hunting, gathering, and fishing for sustenance.

Miwok: The Miwok people lived in central California, primarily in the Sierra Nevada foothills and the Central Valley. They were skilled basket weavers and hunters, and their territory was rich in natural resources.

Pomo: The Pomo people inhabited parts of northern California, particularly the coastal and inland areas around Clear Lake. They were known for their intricate basketry and lived in small, semi-permanent villages.

Chumash: The Chumash people lived along the coast of southern California, from Malibu to San Luis Obispo. They were skilled seafarers and traders, known for their plank canoe technology and intricate rock art.

Tongva (Gabrieliño): The Tongva people inhabited the Los Angeles Basin and parts of the surrounding region. They lived in villages and practiced a hunter-gatherer lifestyle, supplemented by trade with neighboring tribes.

Hupa: The Hupa people resided in the northwestern corner of California, along the Trinity River and its tributaries. They were known for their redwood dugout canoes, intricate basketry, and ceremonial dances.

Yurok: The Yurok people lived along the Klamath River in northern California. They were skilled fishermen and hunters, known for their use of redwood canoes and ceremonial dances such as the Brush Dance.

Karuk: The Karuk people also lived along the Klamath River, primarily in the mid-Klamath Basin region. They practiced a subsistence lifestyle based on fishing, hunting, and gathering, and their culture is deeply intertwined with the natural environment.

These are just a few examples of the diverse Native American tribes that have inhabited California for thousands of years. Each tribe has its own unique language, customs, and traditions, contributing to the rich tapestry of indigenous cultures in the state.

Why California HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

California Native American Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

California Native American Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

California Mortgage Company Reviews

California Mortgage Programs

California Purchase loans

Looking to Purchase a California Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

California Renovation Home Loans

Looking to Rehab a California Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

California FHA Home loans

Great 1st Time California Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

California va Home Loans

100% Financing for California Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

California Conventional Home loans

Flexibility for California Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

California Jumbo Home Loans

California Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

California USDA Home loans

100% California Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

California Native american Loans

California Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

California Manufactured Home loans

Great California Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

California Reverse Mortgage Loans

Your California Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

California Non QM Home loans

Making Carolina Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

California One Time Close Home Loans

Build Your California Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

California Refinance Mortgage loans

California Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

California Cashout Mortgage Loans

California Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

CAlifornia Cities

Los Angeles Home Loans

San Diego Home Loans

San Jose Home Loans

San Francisco Home Loans

Fresno Home Loans

Sacramento Home Loans

State Specific Mortgage Information

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