About Us

We strive to make the loan process easy!

Who are we?

Years ago, there was a lack of reliable information available for eligible borrowers to learn about the Section 184 program. It was difficult for tribal members to get connected with an experienced Section 184 expert to answer their questions and learn how this amazing program could help them achieve their homeownership dreams. Scissortail Financial had a goal to make Section 184 Native American lending easy to understand and accessible to those who could use the program. This is why we created www.NativeAmericanMortgage.com.

Scissortail Financial is a local Oklahoma mortgage lender working specifically with Oklahomans. Our home office is located in Tulsa, but we proudly serve clients across the entire state. Our specialty is home lending for residential properties. Privileged as a select lender to offer the Section 184 Native American mortgage, Scissortail Financial team members have extensive HUD training and experience with the program, giving us unique knowledge and the ability to provide an experience that exceeds expectations.

We at Scissortail Financial have created a PROMISE that we aim to deliver to all of our clients. We take the guesswork out of the process and are clear about how we work and what is required for complete loan approval. From start to finish, you'll know what to expect and what's going on. There is no fine print and no strings attached. Education is at the center of all that we do and we welcome your questions. It is important to understand the mortgage you are looking at and how it affects your future financial goals. The entire team at Scissortail Financial is passionate about serving our clients and we want you to know that we care! We want to reduce your stress and get the job done right in the least amount of time.

Want to learn more about what others are saving about Scissortail Financial?  Check us out HERE.


  Gregory Freeman
  Founder and Senior Mortgage Banker
  Scissortail Financial Home Loans
  NMLS Individual ID: 302507
  NMLS Company ID: 1290085




Always Provide

Every loan officer at Scissortail Financial is certified by the U.S. Department of Housing and Urban Development (HUD) to consult borrowers like you about the Section 184 Native American Loan program. We are extremely knowledgeable problem solvers no matter what your specific situation is. We look forward to working with you and we will make it a priority to exceed your expectations!

Do I Qualify?

Am I Eligible?

Obtaining a HUD Section 184 Native American home loan is fast and free!

In Oklahoma, only a small portion of tribal members are aware of the Section 184 Native American Home Loan Benefit, even though they may be eligible. To qualify, you must be an American Indian or Alaska Native who is a member of a federally recognized tribe over the age of 18 who will occupy the property as a principal residence.

If you are considering a Section 184 Tribal Loan to buy a home or refinance your current loan, the fastest and easiest way to find out if you are eligible is to get qualified with a Native American Mortgage Specialist who can help you determine your eligibility, monthly payment savings, maximum loan amounts, and program advantages.

Get Qualified More Information

Section 184

news & info

  • Office of Native American Programs Sets a Date to Closeout the Section 184 Program Fiscal Year 08/23/2022

    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 program to reconcile financial accounts and set up accounting codes for the next fiscal year. The closeout period ... READ MORE
  • 2022 Section 184 Native American Mortgage Loan Limit Increase! 05/18/2022

    THIS IS HISTORIC NEWS FOR ALL OKLAHOMA FEDERAL TRIBAL MEMBERS!  It was just released that the Department of Housing and Urban Development (HUD) increased the maximum loan amount for the Section 184 Native American home loan to $420,680!! This applies to ALL of ... READ MORE
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