How Does it Work?

As a Native American in Oklahoma, a unique mortgage, the Section 184 loan, is available just for you as a federally recognized tribal member. Many people are using their Section 184 Native American loan benefit to lower their monthly payment, lower their interest rate, or purchase a home with a smaller down payment. Authorized under the Housing and Community Development Act of 1992, the Section 184 Indian Loan Program is designed to offer home ownership, property rehabilitation, new construction, and refinance opportunities for eligible individual Native Americans, tribes.

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Am I Eligible?

Obtaining a Native American mortgage is simple!

The primary qualification of the Section 184 Native American Loan benefit is membership of a federally recognized tribe. Eligible borrowers are Indians or Indian family members over the age of 18 who will occupy the property as a principal residence.

If you are considering a Section 184 Native American Home Loan, the fastest and easiest way to find out if you are eligible is to contact a Native American Mortgage Specialist who can help you determine your eligibility, qualification level, and program options.

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Section 184

news & info

  • Section 184 Program Open for Fiscal Year 2022 10/13/2021

    On August 17, 2021, HUD and the Office of Native American Programs informed Lenders that the Section 184 Indian Home Loan (Section 184) program would begin the Fiscal Year 2021 financial closeout beginning on September 20, 2021. The Fiscal Year closeout process is now ... READ MORE
  • Section 184 Office of Loan Guarantee Fiscal Year 2021 Year End Closure Starts September 20th, 2021 08/19/2021

    At the end of every fiscal year, HUD and the Office of Native American Programs suspend activity for the Section 184 Native American Mortgage Home Loan programs to reconcile financial accounts and set up accounting codes for the next fiscal year. The closeout period ... READ MORE
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