Types of Section 184 Loans

With the goal in mind of helping build Native American homeownership, HUD designed the Section 184 program to have maximum flexibility. There are three major categories of loans. For information on each, please select from the options below:


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