Refinance With the Section 184 Home Loan

Section 184 allows for three types of refinance:

Streamline – If you currently have a Section 184 loan and wish to reduce the interest rate or term of your loan, the Streamline refinance is a very simple way to accomplish your goal. No appraisal, income or asset verification is required. You must have made your mortgage payment on time for the past twelve months.

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

  • Proof of tribal enrollment
  • Copy of photo id and social security card
  • Copy of your current note and mortgage

Cashout – If you need to consolidate debts or receive cash, the Section 184 loan will allow you to borrow up to 85% of the current appraised value of your home. All types of debt may be paid off and you may also receive up to $25,000 cash in hand at closing.

Standard Refinance-You can use this refinance if your current loan is not a Section 184 loan
Typical documents that you will need to provide for a cashout or standard refinance 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
  • Deposit towards a new appraisal (we will order)

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