Capital Home Mortgage

Pacific Northwest Native American Home Loans

Pacific Northwest Native American Mortgage Lender

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.

Why THe Pacific Northwest is Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates and Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Pacific Northwest 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

Pacific Northwest 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

Pacific Northwest 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

Pacific Northwest Mortgages

FHA Home Loans

VA Home Loans

Conventional Loans

USDA Home Loans

Jumbo Home Loans

Native American Loans

Manufactured Home Loans

Renovation Home Loans

One Time Close Loans

Non Qualified Loans

Reverse Mortgages

Mortgage Refinance

Pacific Northwest Mortgage Team

Jordan Mowrey

Sr Loan Officer
NMLS 1604319

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Director Native American Lending
Director Manufactured Housing

Pacific Northwest Mortgage Company Reviews

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