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Section 184 Loans

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Native American HUD Section 184 Home Loans California Lender

What is a Section 184 Indian Home Loan Program?

  

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.

Section 184 is synonymous with home ownership in Indian Country.

  

To help increase Native access to financing, the Office of Loan 

Guarantee within HUD’s Office of Native American Programs, 

guarantees the Section 184 home mortgage loans made to Native 

Borrowers. 

By providing this guarantee, HUD has made it possible for lenders 

to serve Native Communities both on and offthe reservation. This 

increases the marketability and value of the Native assets and 

strengthens the financial standing of Native Communities

Loan Program Highlights

Only 2.25% downpayment

No annual mortgage insurance!

Must be enrolled tribal member of a federally recognized tribe

Use the loan anywhere/county of state of California

Can be used on reservations or off reservation

Not credit based, no 30 day lates, no active collections, can use alternative trade lines such as rent payments, phone, PGE

No credit score ok 

For more information call or text us now at (559) 287-8065

Xcellerate Home Loans 

CADRE# 02022288, NMLS# 1726899

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Xcellerate Home Loans

770 East Shaw Avenue, Fresno, California 93710, United States

(559) 287-8065

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CADRE# 02022288, NMLS# 1726899

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