Capital Home Mortgage Dallas

Dallas Native American Home Loans

Dallas Native American Mortgage Lender

Dallas HUD 184 – Native American Home Loans

The Native American Home Loan Program or HUD Section 184 loan is a mortgage program unique to American Indian and Alaskan borrowers. Achieving homeownership for Native Americans can be challenging. That’s why the Section 184 program aims to help them secure a home in the US under flexible payment terms. If you are a Native American seeking homeownership in Dallas, you must first search for a HUD-certified lending institution.

Capital Home Mortgage is a HUD-certified and participating lender offering Section 184 loans to qualified Native Americans. Our mortgage experts can also orient you about Section 184 loans and explain how the process will work. Sign up for a Native American loan today with Capital Home Mortgage. Read the salient points of this loan program below.

Benefits of Native American Home Loans

Section 184 loans give unique benefits to Native Americans. These benefits are not present in typical home loan products like FHA 203(b) and conventional loans

  • Low Down Payment

Native American home loans often ask for down payments that can go as low as 2.25% for loans over $50,000 or 1.25% for loans under $50,000. The loan-to-value is still higher in Section 184 loans which can be around 97 to 98 percent of the total amount, than in standard loan products. So if the loan is $100,000, the required down payment under Section 184 is only $2,250.

  • Market-based Interest Rate

Most borrowers worry about interest rates because of their credit scores. Lenders give high-interest rates to borrowers with less-than-perfect credit scores. But in Native American loans, interest rates are market-based, which makes it more accessible to Native Americans with a short credit history or low credit scores.

Qualification Requirements of Native American Loans

Section 184 loans go through the Office of Loan Guarantee of the HUD. The HUD office supervises all Native American home loans to ensure compliance and protect borrowers from predatory lenders. You should double-check with the HUD if the lending institution is a HUD-certified lender.

To be qualified for a Native American loan, the borrower must be a member of an American Indian, Indian or Alaskan Native tribe. If you’re from Hawaii, Section 184A applies. Talk to our experts to learn more about Hawaiian Native loans. There are also no income requirements or ceilings to qualify.

Only single-family and one-to-four unit homes are allowed under the Section 184 program. Besides purchasing a brand new house, Section 184 also allows the loan proceeds to be used for:

  • Purchasing and constructing manufactured homes
  • Outfitting homes for persons with disabilities
  • Rehabilitating existing homes for weatherization

Coordinate with Capital Home Mortgage Section 184 experts to learn more about this loan program’s in-depth requirements and provisions.

Get a Native American Loan Today

Capital Home Mortgage strives to provide a convenient and painless process for your Dallas Native American loan application. Our mortgage specialists are here to guide you in every step of the process. Call us at (214) 372-0015 to get started with a quick no-obligation quote.

We look forward to providing your next Native American loan in Dallas.

Why Dallas HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7  Day a Week Support Application to Final Mortgage Payment

Dallas 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

Dallas 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

Dallas 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
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Texas renovation home loans

Looking to Rehab a Texas Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Texas FHA Home Loans

Great for 1st Time Texas 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 Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Texas VA Home Loans

100% Financing for Texas Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Texas Conventional Home Loans

Flexibility for Texas 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
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Texas Jumbo Home Loans

Texas Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Texas USDA Home Loans

100% Rural Texas 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.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Texas Native American Home Loans

Texas 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

Texas Manufactured Home Loans

Great Alternative Texas 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
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Texas reverse mortgages

Your Texas 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
  • credit scores not applicable
  • Minimum age 62

Texas Non QM Home Loans

Making Texas Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Texas One Time Close mortgages

Build Your Texas 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 Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Texas Refinance Mortgage Loans

Texas 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.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Texas Cash-out Home mortgages

Texas 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
  • Vacation or Education

Dallas Native American Mortgage Team

Brad Rund

Native American Lending
Manufactured Lending

Dale Gremillion

Manager
NMLS 210325

Conor Hayhurst

Manager
NMLS 743506

Kathy Rubin

Sr Loan Officer
NMLS 204449

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