Native American Mortgage Lender
HUD 184 – Native American Home Loans
What is a HUD 184 Home Loan Progam?
The Section 184 Loan Guarantee Program was established by the Housing and Community Development Act of 1992 to make it simpler for Native Americans who reside on reservations to get a mortgage. Borrowers can purchase a property with a low down payment and flexible underwriting thanks to section 184 financing. On and off native grounds, section 184 loans can be used for new construction, renovation, buying an existing home, or refinancing.
The HUD-184 loan has some of the lowest down payment requirements on the market. For loans of $50,000 or more, a 2.25 percent down payment is required, while a 1.25 percent down payment is required for loans of less than $50,000. A one-time guarantee fee of 1.5 percent is also paid to the government. This cash could originate from your savings, investments, or family gifts. Additionally, tribal assistance is accepted.
Qualification Requirements for HUD Section 184 Loan
You must be an Alaskan or Native American tribal member to qualify for a Section 184 loan. The tribal authority decides who is accepted into the tribe and frequently provides a card or letter to prove it. It will be necessary to provide documentation of tribal membership when applying for a Section 184 loan. It is up to the participating Tribes to decide whether Section 184 eligibility applies to specific counties or the entire state.
The HUD-184 mortgage loan program requires no minimum credit score. It is the ideal solution for qualified individuals with marginal credit. Unlike most mortgage programs, marginal credit borrowers are not subject to higher interest rates.
How HUD Section 184 Home Loan Program Works
The Office of Loan Guarantee, a section of HUD’s Office of Native American Programs, insures the Section 184 home mortgage loans given to Native borrowers. The loan program guarantees the lender that its investment will be repaid entirely in the event of a foreclosure.
Each county sets its borrowing restrictions for HUD Section 184. Here are the most recent loan limit figures. Members of federally recognized tribes that are American Indians or Alaska Natives are eligible for the loan. This year’s complete list of Indian tribes with federal recognition is available here.
The Borrower shall consult with the Tribe and the Bureau of Indian Affairs regarding its request for a Section 184 loan from a participating lender and its lease of tribal territory. After carefully reviewing the necessary loan documents, the lender submits the loan for approval to HUD’s Office of Loan Guarantee.
Apply for HUD Section 184 Home Loan
Capital Home Mortgage can assist you if you are a member of a Native American tribe and feel you may be qualified for a Section 184 loan.
We provide complimentary consultations, answer any questions you may have concerning Section 184 mortgages, and explain all available mortgage options. Call us at 800-536-8171 to speak with a Native American home loan team member!
Why HomeBuyers Are Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
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7 Day a Week Support Application to Final Mortgage Payment

Capital Home 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 the mortgage Securities
- Property securing the mortgage
- occupancy of the property
- Loan to value of the property
- Borrower’s credit worthiness
Native American Purchase Loans
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
Native American REfinance Loans
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
Native American Mortgage Team
Home Mortgage Programs
Home Purchase loans
Looking to Purchase a Home?
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Looking to Rehab a Home?
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- Smaller Down Payments
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- Lower Credit Scores – Down to 500
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va Home Loans
100% Financing for Vets
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- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
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Native american Home Loans
Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
Manufactured Home loans
Great Alternative Housing
- Existing Purchase or Refinance
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Reverse Mortgage Loans
Your Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
Non QM Home loans
Making Mortgages Possible
- Purchase, Refinance & Cash-out
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- Corporations OK
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Build Your Dream Home
- Primary Residences Only
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- Traditional Final Mortgages
- No Payments During Construction
Refinance Mortgage loans
Rate & Term Refinance
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- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Cashout Mortgage Loans
Equity Mortgage Loans
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