A LOAN PROGRAM FOR NATIVE AMERICANS

Offering home ownership and housing rehabilitation opportunities for eligible Native American individuals, families and tribes.

• Very low down payments and closing costs.  The HUD 184 Home Loan Program requires a minimum down payment of 2.25%, compared to 3.5% for FHA or 5% for Conventional loan programs. 

• No private mortgage insurance. Unlike FHA and Conventional loan programs, the HUD 184 Home Loan Program does not require monthly mortgage insurance payments.  The HUD 184 could save you up to $300 a month compared to an FHA loan.

• Competitive interest rates. The HUD 184 Home Loan Program offers a 15 year or 30 year fixed rate loan with no prepayment penalties.  Rates are competitive with other loan programs and you don't have to worry about the sudden jumps in interest rates that can happen with variable rate loans.

• Ability to finance home on fee simple land or tribal-trust land. Most loan programs will only finance loans on fee simple land. The HUD 184 Home Loan Program allows for properties located on native trust land and fee simple land in approved areas.

• Multiple options. The HUD 184 Home Loan Program can be used for refinancing, purchasing an existing home or new home construction. It applies to traditional frame-built construction, modular and manufactured homes.

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