Home Financing for
Tribal Members

Your Path to Owning a Home Begins Here

Our approach goes beyond financing - we offer a partnership that helps you navigate the complexities of buying a home while keeping your cultural values at the forefront.

We understand the importance of a home that provides shelter and serves as a cornerstone of cultural and familial traditions.

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What exactly is the HUD Section 184 Loan?

The HUD Section 184 Loan program, established by Congress in 1992, is a specialized tool designed to help tribal members overcome the hurdles to homeownership.

Offering a range of purchasing options, including new construction, refinancing, and home improvements, this program features flexible underwriting and does not require mortgage insurance. 

With low down payment requirements and fixed-rate mortgage options, this loan is a great resource for enrolled tribal members seeking to build, buy, or enhance their homes while preserving their cultural heritage. 

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Our Loan Process

Step 1: Initial Meeting

Our first meeting will help you understand all aspects of the HUD 184 loan and how it can be customized to meet your needs. We'll outline the process and share what you can expect.

Step 2: Application and Pre-approval

Apply for your loan and achieve pre-approval status. This critical step shows sellers you are a serious and prepared buyer.

Step 3: Loan Underwriting

Next, your loan enters underwriting, where it's evaluated in detail. We ensure all criteria are met and move towards securing final approval.

Step 4: Closing on Your Loan

Once the loan is approved, we'll coordinate a closing date on which you'll sign the final documents and officially become a homeowner.

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