Office of Loan Guarantee Resource Center
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Indian Home Loan Guarantee Program (Section 184)


What is the Section 184 Loan Guarantee Program?

The Section 184 Indian Home Loan Guarantee Program is a mortgage product specifically for American Indian and Alaska Native families, tribes, Alaska Villages or tribally designated housing entities. Congress established this program in 1992 to facilitate homeownership in Native American communities. See HUD's website for a list of Participating Tribes.

With Section 184 financing you can get into a home with a low down payment, no mortgage insurance and flexible underwriting.

If you are a potential homebuyer, Section 184 is a great product - thanks to the low down payment requirement of 2.25% for loans over $50,000. If your loan amount is under $50,000 your down payment is 1.25%. Also, you don't have to pay a mortgage insurance premium each month. Instead, a one-time, 1% loan guarantee fee can be added to your final loan amount. Our underwriters and Loan Guarantee Specialists are familiar with the unique issues and circumstances that Native Americans face when trying to get a mortgage in Indian Country.

The Section 184 Loan Provides You With Numerous Options to Suit Your Needs

  • Purchase of an existing home
  • Single-close construction loans for a stick-built or a manufactured home on a permanent foundation
  • Rehab loans
  • Purchase and rehab
  • Benefits of the Section 184 Loan Guarantee Program

Benefits of the Section 184 Loan Guarantee Program

For instance, if you've outgrown your current home and are looking to add on an additional room or make improvements, Section 184 financing gives you the option of paying off your old loan and combining it with a rehab loan. The key point to remember is that this is a loan product.

Getting Started

To qualify for a home loan, we recommend (but it's not mandatory) that you first find out if there are any homebuyer education classes that you can attend.

Homebuyer classes prepare you for the home buying process, so that when you go in to meet with a lender you'll have a better understanding of what it takes to qualify for a home loan.

Homebuyer Counseling Resources

Meeting with a Lender

To get a loan, you must apply with a HUD-Approved Section 184 lender. Download the Section 184 participating lenders list. If you are a lender that wants to be qualified to participate?

Program Overview

Homeownership for Native Americans
In 1992, Congress established the Section 184 Indian Home Loan Program. The program was designed to offer homeownership and housing rehabilitation opportunities for eligible Native American individuals, families, tribes and tribally designated housing entities (including Indian Housing Authorities) on their native lands and within an approved Indian area. Loans across the nation.

Why a Loan Program Specific to Native Americans?
Because of the unique status of Indian lands, Native American homeownership is an underserved market. The Section 184 program was designed to improve access to capital for Native Americans and provide private funding opportunities for tribal housing agencies.

How Does Section 184 Work?
HUD guarantees each mortgage loan made to eligible borrowers. The loan guarantee assures the lender that its investment will be repaid in the event of a foreclosure. The borrower pays a 1% loan guarantee fee at closing, which may be financed in the mortgage or paid in cash. The borrower applies for the loan with a participating lender, or if leasing tribal land they work with the tribe and the Bureau of Indian Affairs. The lender then evaluates the necessary loan documentation and submits the loan for approval to the HUD Office of Loan Guarantee (located in Washington, DC and Denver, CO). Frequently Asked Questions?

Who is Eligible for a Section 184 Loan?

  • American Indians or Alaska Natives who are members of a federally recognized tribe
  • A member of an Alaska Village and Regional Corporation established pursuant to the Alaska Native Claims Settlement Act
  • An Indian tribe
  • A Tribally Designated Housing Entity (TDHE)
  • An Indian Housing Authority (IHA)

How Can You Use the Section 184 Loan Guarantee?

Individuals, tribes, TDHEs and IHAs can use the Section 184 Loan for:

  • Acquisition and/or rehabilitation of existing housing
  • Construction of new housing, including manufactured housing affixed to a permanent foundation
  • Refinancing

    Eligibility is limited to single-family housing (1-4 units), and fixed-rate loans for 30 years or less. Section 184 cannot be used for commercial structures or with Adjustable Rate Mortgages (ARMs). Tribes, TDHEs or IHAs can borrow funds to develop rental housing or to build single-family homes that are subsequently sold (or assumed) by eligible borrowers.

Lender Participation

How Can Lenders Participate?
Loans are originated and serviced by lenders that have completed Section 184 training and are:

  • Approved by HUD/ONAP to originate Section 184 loans
  • Approved by HUD/FHA for participation in the single-family mortgage insurance program
  • Authorized by the Veterans Administration (VA) to originate automatically guaranteed housing loans
  • Approved by the Department of Agriculture to make loans for single-family housing
  • Supervised, approved, regulated or insured by any agency of the federal government Tribal loan funds, credit unions, and CDFIs are encouraged to apply to be Section 184-approved lenders based on past lending experience.

Are Guaranteed Loans Marketable?

Yes! A Section 184 guaranteed loan, including the security given for the loan, may be sold or assigned by the lender to any financial institution. However, it is subject to examination and supervision by an agency of the federal government or of any state.

A strong secondary market exists for Section 184 loans. Fannie Mae, Freddie Mac, Ginnie Mae, some state housing financing agencies, and some federal home loan banks can purchase Section 184 loans.

For program staff information contact HUD.

Contact the Office of Loan Guarantee Clearinghouse by phone or fax.
1-800-561-5913 | Fax: 1-303-675-1671