Program Overview

The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Congress established this program in 1992 to facilitate homeownership and increase access to capital in Native American Communities.

With Section 184 financing borrowers can get into a home with a low down payment and flexible underwriting. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

What are the Benefits of Section 184 loans?

  • Low Interest Rates: based on the market, not the applicant’s credit score

  • Low Down Payment: 2.25% on loans over $50,000

  • Lower Monthly and Upfront Mortgage Insurance than other programs.

  • Safe: All Section 184 loans are reasonable and affordable, with reviewed fees and structured appropriately.

  • Steady: Although America has seen a drop in mortgage lending; Section 184 loans, since they are guaranteed by the Federal Government, have stayed healthy and productive.

  • Experienced Staff: We’ve over 20 years experience between our staff, with thousands of successful Section 184 loans approved.

Who is Eligible?

Section 184 Home Loan Guarantee is reserved for members of Native American and Alaskan tribes, so to receive a Section 184 loan you must be an enrolled member of a Federally Recognized Tribe. Verification of tribal enrollment will be necessary upon application for a Section 184 loan. Enrollment decisions are made solely by the tribal government. Typically your tribe will provide a card or a letter proving your enrollment status.


Where is Section 184 Eligible?

The participating Tribes are allowed to determine where Section 184 is Eligible. Section 184 is state wide in some, while in other states it’s limited to specific counties. Oklahoma is eligible statewide.


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