Capital Home Mortgage Washington

Washington Native American Home Loans

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Washington 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.

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Washington Native American Home Loans

How to Use a Native American Home Loan

  • Purchase an Existing Home
  • Construction of a New Home
    • (Site Built or Manufactured)
  • Rehab an Existing Home
  • Purchase / Rehab Combo
  • Primary Residences Only
  • Tribal Grants Allowed
  • No Credit Score Minimums

Advantages of a Native American Home Loan

  • Low Down Payments
    • 2.25% on loans over $50,000
    • 1.25% on loans under $50,000.
  • Approval not based on credit scores
  • Manual Underwriting All Loans
  • Upfront & Monthly Mortgage Insurance
  • Adjustable Rate Mortgages Not Allowed
  • Tribal Grants Allowed
Home Purchase
Save Today
Have Questions?
Native American Home Loan Benefits

How to Use a Native American Home Loan

  • Purchase an Existing Home
  • Construction of a New Home
    • (Site Built or Manufactured)
  • Rehab an Existing Home
  • Purchase / Rehab Combo
  • Primary Residences Only
  • Tribal Grants Allowed
  • No Credit Score Minimums

Advantages of a Native American Home Loan

  • Low Down Payments
    • 2.25% on loans over $50,000
    • 1.25% on loans under $50,000.
  • Approval not based on credit scores
  • Manual Underwriting All Loans
  • Upfront & Monthly Mortgage Insurance
  • Adjustable Rate Mortgages Not Allowed
  • Tribal Grants Allowed
Home Purchase
Save Today
Have Questions?

Not Sure? Take a Look at Other Washington Mortgage Products

Washington Native American Mortgage Team

brad Rund

director native lending &
Manufactured Housing

Dale Gremillion

Manager
NMLS 210325

Conor Hayhurst

Manager
NMLS 743506

Kathy Rubin

Sr Loan Officer
NMLS 204449

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