HUD Section 184 Indian Home Loan Guarantee

About This Program

The Section 184 Indian Home Loan Guarantee Program provides HUD-guaranteed mortgage financing for American Indian and Alaska Native tribal members, Alaska villages, tribes, and tribally designated housing entities. Loans can be used for purchase, new construction, rehabilitation, or refinancing, including repairs and energy improvements added to the mortgage. The program features a low 1.5% upfront guarantee fee and competitive interest rates. Find a participating lender at HUD.gov/section184.

Applicants must be an enrolled member of a federally recognized tribe or Alaska Native village

Key Details

• HUD-guaranteed mortgage for American Indian and Alaska Native tribal members
• Can be used for purchase, construction, rehabilitation, or refinance
• Repairs and energy improvements can be rolled into the loan
• Low 1.5% upfront guarantee fee; 0.25% annual fee
• Available on and off tribal lands in participating states

How to Apply

Deadline: Rolling — apply through a HUD-approved Section 184 lender