HUD Section 184 Indian Home Loan Guarantee Program

Bay Bank is proud to offer the HUD Section 184 Indian Housing Loan Program. Bay Bank and its lenders are approved to originate Section 184 home mortgage loans through the U.S. Department of Housing and Urban Development (HUD).

Enrolled members of a federally recognized tribe may be eligible for the Section 184 program.

Participating Tribes 

Indian tribes or Indian housing authorities also are eligible for Section 184 loans, under state-by-state eligibility requirements.

See if your state is eligible 

The Section 184 loan is a 15- or 30-year fixed-rate mortgage, fully amortized with regular monthly payments with escrow for homeowner’s insurance and property taxes. The loan features a low-down payment and flexible underwriting. 

Section 184 loans can be used on and off trust lands for:

• Purchase of an existing home 
• Home improvements 
• New construction
• Refinancing 

Section 184 Information 

Get Started

Call or email a mortgage lender to learn more and start the process of HELOC or obtaining a second mortgage.