Bellingham Native American Home Loans

Bellingham NATIVE AMERICAN Home lender

Are you a Bellingham Native American?  Capital Home Mortgage Bellingham is a Bellingham Native American Home Lender dedicated to helping Bellingham residents with Bellingham Native American Home Loans. The Bellingham HUD 184 Loan is a federally-backed loan program by the Department of Housing and Urban Development offering low Bellingham Native American Mortgage Rates.  It was created specifically to provide Native American tribal members access to mortgage financing with flexible terms.  The Bellingham 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 Bellingham 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 Bellingham is a full-service Bellingham Native American Mortgage Lender that offers and specializes in Native American Home Loans in Bellingham . We have helped countless Bellingham Native Americans achieve their homeownership, and we can do the same for you too!  

Call today (360) 474-5656 to speak with one of our Bellingham HUD 184 Home Loan Specialist.

Bellingham HUD 184 Approved Counties:  Bedford, Blount, Campbell, Cocke, Crockett, Davidson, Dyer, Giles, Haywood, Knox, Lake, Lauderdale. Maury, Monroe, Montgomery, Obion, Rutherford, Seiver, Shelby, Tipton, Trousdale, Williamson, Wilson.  Don’t worry if yo don’t see your county, Capital Home Mortgage Bellingham has a complete line of loan programs to help you? 

Native American Home Loans Bellingham Washington

The Section 184 Indian Home Loan Guarantee program is a home loan product for federally recognized tribal members, tribes, and tribally designated housing entities. Eligible borrowers include American Indians, Alaska Natives, Tribes, Indian Housing Authorities, and Regional or Village Corporations formed under the Alaska Native Claims Settlement Act.

The HUD Native American Home Loan can be used to fund new construction, renovation, the purchase of an existing home, and refinancing, including cash-out refinancing. Off-reservation sales are permitted across the state of Washington.

HUD Section 184 Eligibility Requirements

  • Credit 

No minimum credit score is necessary to qualify for the program. However, the borrower must always be creditworthy. Alternative credit is permitted but not in place of traditional credit.

Borrowers must demonstrate a track record of meeting financial obligations per their borrower’s credit report. The payment of all liens, collections, and judgments is required. All accounts must have on-time payments for the past year.

  • Down Payment

A 2.25 percent down payment will be required based on the lesser of the home’s appraised worth or its purchase price, Loans under $50,000 demand a 1.25 percent down payment.

  • Income and DTI Ratio

A debt-to-income ratio of 41% is required, which can be higher if there are other compensating factors to make up for it. This means that your mortgage payment and other debts (such as personal loans, auto loans, student loans, credit cards, etc.) can’t take up more than 41% of your gross monthly income. So, if you have a lot of debt, you will have less money left to pay your mortgage.

  • Property 

The property being acquired must comply with lending requirements. The lender will send an appraiser to verify the condition and value of the property to be purchased; the lot must also be subject to site control.

  • Tribal Affiliation

The borrower must present proof of membership in a federally recognized Indian tribe or company established under the Alaska Native Claims Settlement Act. The tribe/corporation determines who is a member and how membership is documented. The tribe/corporation usually gives members a membership card. To verify eligibility, the borrower must provide a copy of their membership card.

Apply For Bellingham Washington HUD Section 184 Home Loan 

If you belong to a Native American tribe and believe you qualify for a Section 184 loan, Capital Home Mortgage may be able to assist you. Call (360) 474-5656 to speak with a Home Loan Specialist on Washington Native American Home Loans.

Bellingham Native American Mortgage Rates

Bellingham Native American Home Loans

Qualifying for a Bellingham HUD 184 Loan

Are You Interested in a Bellingham 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

Bellingham Native American Purchase Loan

Bellingham 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

Bellingham Native American REfinance Loan

Bellingham 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
Bellingham Native Americans Overview

Bellingham has a rich Native American history, with various indigenous tribes inhabiting the region long before European settlement.

Prior to European contact, Bellingham was home to several Native American cultures, including the CherokeeChickasawCreekShawneeChoctaw, and others. These tribes established settlements, practiced agriculture, and developed complex social structures.

The Cherokee people have a particularly significant history in Bellingham. They inhabited large parts of the state, including the eastern region where they established towns such as Chota, Tanasi (from which the name “Bellingham” is derived), and others. The Cherokee were skilled farmers, hunters, and traders.

During the 19th century, the United States government implemented policies to forcibly remove Native American tribes from their ancestral lands. This culminated in the Indian Removal Act of 1830, which led to the Trail of Tears—a series of forced relocations of Native American tribes, primarily the Cherokee, from the southeastern United States to Indian Territory (present-day Oklahoma). Thousands of Cherokee and other Native Americans died during this arduous journey.

Despite the forced removals, Native American communities persisted in Bellingham. Today, there are several federally recognized tribes with historical connections to the state, including the Cherokee Nation, the Eastern Band of Cherokee Indians, and the Chickasaw Nation. These tribes have sovereign governments and maintain cultural and community centers in Bellingham.

Native American cultural heritage continues to be celebrated and preserved in Bellingham. Museums, historic sites, and cultural centers across the state highlight the contributions and history of indigenous peoples. Festivals, powwows, and other events also provide opportunities for people to learn about Native American traditions, art, music, and cuisine.

Like many indigenous communities across the United States, Native American tribes in Bellingham face challenges related to economic development, healthcare, education, and cultural preservation. Efforts to address these issues often involve collaboration between tribal governments, state and federal agencies, and nonprofit organizations.

Overall, the Native American presence in Bellingham is an integral part of the state’s history and identity. Recognizing and honoring this heritage is important for promoting understanding, reconciliation, and cooperation among all residents of Bellingham.

Why Bellingham is Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Bellingham Mortgage Company Reviews
Bellingham Mortgage Team
Dale Gremillion
Sr Loan Officer
NMLS #210325
Conor Hayhurst
Branch Manager
NMLS #743506
Amanda Ravello
Sr Loan Officer
NMLS #1702894
Bellingham Mortgage Programs
Bellingham Home Purchase loans
Looking to Purchase a Bellingham Home?
Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse
Bellingham Renovation Home Loans
Looking to Rehab a Bellingham Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno
Bellingham FHA Home loans
Great 1st Time Bellingham 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 Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed
Bellingham va Home Loans
100% Financing for Bellingham Vets
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed
Bellingham Conventional Home loans
Flexibility for Bellingham 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
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Terms
  • Renovation Programs Available
Bellingham Jumbo Home Loans
Bellingham Non-Confirming Home Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums
Bellingham USDA Home loans
100% Rural Bellingham 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.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply
Bellingham Native american Home Loans
Bellingham 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
  • Purchase, Refinance, and Renovation
Bellingham Manufactured Home loans
Great Alternative Bellingham 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
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American
Bellingham Reverse Mortgage Loans
Your Bellingham 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
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out
Bellingham Non QM Home loans
Making Bellingham Mortgages Possible
Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK
Bellingham One Time Close Home Loans
Build Your Bellingham 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 Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction
Bellingham Refinance Mortgage loans
Bellingham 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.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s
Bellingham Cashout Mortgage Loans
Bellingham 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
  • Dream Vacation
  • Higher Education
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