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Fort Worth Native American Home Loans

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Fort Worth Native American Home Lender

Section 184 Native American Indian Home Loans 

The Section 184 Loan Program is open to any one member of a federally recognized tribe. All Native Americans, first-time and repeat homebuyers, are eligible for the loan if they have a Tribal Membership or Citizen Card from a tribe with formal government recognition.

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 guarantee guarantees the lender that its investment will be repaid entirely in the event of a foreclosure.

What is the HUD Section 184 Home Loan Program?

Through a guaranteed mortgage loan program made available through commercial, financial institutions, the HUD Section 184 home loan program offers opportunities for home ownership to Native Americans, Tribes, Tribally Designated Housing Entities (TDHEs), and Indian Housing Authorities on Indian property.

Section 184 carries fixed-rate loans with the market interest rate. The loan term is 30 years maximum, and monthly payments are made. The most you can borrow is 150% of the Federal Housing Administration (FHA) loan limit for the area you are looking to purchase. The Native American Home Loan program has no prepayment penalty and can be paid off anytime.

Who is eligible for the HUD Section 184 Program?

You must be a Native American or American Indian purchasing a house that will serve as your principal residence to qualify for this federal program. Additionally, you or a family member must be a member of an Alaskan Native community or an American Indian tribe with national recognition.

Native Americans, Tribes, Tribally Designated Housing Entities (TDHEs), and Indian Housing Authorities on Indian property are eligible for the HUD Section 184 home loan program, which offers insured mortgage loans through private financial institutions.

Apply for Section 184 Home Loan

Our staff has a track record of assisting the Native American community in Fort Worth to realize their aspirations of house ownership. We successfully collaborate with HUD’s Office of Native American Programs and the Bureau of Indian Affairs to lend in Indian Country. With decades of combined experience in the mortgage industry, we are here to assist you with your Home Mortgage requirements. 

It is a privilege to assist you in realizing your dream of homeownership, and we appreciate the confidence you have placed in our staff; call 817-779-7133 to speak with one of our Native American Home Loan Specialists.

Why Fort Worth is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Fort Worth Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Fort Worth Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Benefits of Fort Worth Native American Home Loans

How to Use a Native American Loan

  • Purchase an Existing Home.
  • Construction of a New Home (Site Built or Manufactured Homes on Permanent Foundations)
  • Rehabilitate an Existing Home.
  • Purchase / Rehabilitation Combination
  • Refinance Home (Rate and Term, Streamline, Cashout)
  • Primary Residences Only

Advantages of a Native American Loan

  • Low Down Payment.. 2.25% on loans over $50,000 and 1.25% on loans under $50,000.
  • Approval not based solely on  the applicants credit scores.
    Manual Underwriting: The program uses a hands on approach to underwriting.
  • Section 184 Upfront Loan Guarantee Fee and Annual Mortgage Insurance
  • A one time 1.5% upfront fee paid at closing and can be financed into the loan should you choose.
  • Loans with a loan to value of 78% or greater will have an annual .25% mortgage insurance premium.
  • Protection from predatory lending: Section 184 loans are not subject to adjustable rate mortgages.

Not Sure? Take a Look at Other Fort Worth Mortgage Products

Fort Worth Texas Native American Mortgage Team

Brad Rund

Director Native Lending
NMLS 1702894

Dale Gremillion

Managing Director
NMLS 210325

Conor Hayhurst

Managing Director
NMLS 743506

Kelly Cameron

Loan Officer
NMLS 178093

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