Purchase a Home With the Section 184 Home Loan

The Section 184 loan can be used to purchase a home on your reservation or in participating fee simple areas off of your reservation. Even if you now live far from your reservation, you may still be able to use the Section 184 loan benefit to purchase a home. For example, you are an Alaska Native now living in Los Angeles. Because the whole State of California is open to the 184 program; you can use it. However, be advised that the 184 program is for owner occupied homes only; no second homes or investment properties are allowed.

The Section 184 loan is very similar to an FHA loan, but because it is reserved for Native Americans it is much less expensive and is more flexible than an FHA loan.

Typical documents that you will need to provide for a purchase loan:

  • Proof of tribal enrollment
  • Copy of photo id and social security card
  • Last three months of bank statements
  • Most recent paystubs
  • Last two years of W-2’s
  • If self employed, last two years of tax returns
  • Per capita income, most recent check copy and two years 1099
  • Landlord contact info for rental verification
  • Purchase agreement

If your home is on tribal trust or allotted trust land, click here for more information


or call 866-235-4033

Loan Facts you should know:
  • You must be an enrolled member of a federally recognized tribe to qualify
  • Your home can be on or off the reservation (within approved areas)
  • Downpayments are as low as 1.25% – 2.25%
  • Gifts and tribal assistance are permitted
  • Regular 30 yr fixed interest rates available
  • No hidden terms or fees
  • Common sense approval process
  • Low Monthly Mortgage insurance
  • Only a 1.5% guarantee fee to the government
  • Doublewide and modular homes allowed
  • Cash out refinance to 85% loan to value
  • New construction and renovation allowed
  • In-house loan approvals and funding