Capital Home Mortgage
US Native American Home Loans
US NATIVE AMERICAN Home lender
Are you a Native American? Capital Home Mortgage is a Native American Home Lender dedicated to helping Native Americans acquire the dream of Home Ownerships. The HUD 184 Loan is a federally-backed loan program by the Department of Housing and Urban Development offering low Native American Mortgage Rates. It was created specifically to provide Native American tribal members access to mortgage financing with flexible terms. The 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 Native Tribe and believe you may be eligible for a 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 is a full-service Native American Mortgage Lender that offers and specializes in Native American Home Loans. We have helped countless Native Americans achieve their homeownership, and we can do the same for you too!
Call today (800) 536-8171 to speak with one of our HUD 184 Home Loan Specialist.
US Native American Mortgage Rates
Native American Home Loans
Qualifying for a HUD 184 Loan
Are You Interested in a 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
Native American Purchase Loan
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 Loan
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 Eligibility
Why Americans 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 Payment
US Mortgage Team
Business Development
Home Mortgage Programs
Home Purchase loans
Looking to Purchase a Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
Renovation Home Loans
Looking to Rehab a Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
FHA Home loans
Great 1st Time Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
va Home Loans
100% Financing for Vets
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
Conventional Home loans
Flexibility for Homebuyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
Jumbo Home Loans
Non-Conforming Home Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
USDA Home loans
100% Rural Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
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
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
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
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
One Time Close Home Loans
Build Your Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
Refinance Mortgage loans
Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
Cashout Mortgage Loans
Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
