Skip to main content
An official website of the United States government
Building icon
The .gov means it's official
Federal government websites always use a .gov or .mil domain. Before sharing sensitive information online, make sure you’re on a .gov or .mil site by inspecting your browser’s address (or “location”) bar.
Lock icon
This site is also protected by an SSL (Secure Sockets Layer) certificate that’s been signed by the U.S. government. The https:// means all transmitted data is encrypted — in other words, any information or browsing history that you provide is transmitted securely.

Direct Home Loans for Native Americans

undefined Direct Home Loans for Native Americans?


The Native American Direct Loan (NADL) program makes home loans available to eligible Native American Veterans who wish to purchase, construct, or improve a home on Federal Trust land or to reduce the interest rate.

Veterans who are not Native American, but who are married to a Native American non-Veteran, may be eligible for a direct loan under this program.

The Native American Direct Loan (NADL) program makes home loans available to eligible Native American Veterans who wish to purchase, construct, or improve a home on Federal Trust land or to reduce the interest rate.

Veterans who are not Native American, but who are married to a Native American non-Veteran, may be eligible for a direct loan under this program.

undefined Direct Home Loans for Native Americans?


To obtain a NADL, the law requires that applicants meet all of the following:

  • The applicant must be an eligible Veteran.
  • The tribal organization or other appropriate Native American group must be participating in the VA direct loan program. The tribal organization must have signed a Memorandum of Understanding with the Secretary of Veterans Affairs, that spells out the conditions under which the program will operate on its trust lands.
  • Apply for a Certificate of Eligibility.
  • The loan must be to purchase, construct, or improve a home on Native American trust land.
  • The Veteran must occupy the property as his or her residence.
  • The Veteran must be a satisfactory credit risk.

Commissioned Officers of the Public Health Service and National Oceanic and Atmospheric Administration are considered to be active duty members and Veterans, once discharged.

Length-of-service requirements apply, in most cases.

All prospective applicants are encouraged to first contact their local housing authority and VA to discuss their financial situation and obtain a general idea of whether or not they might qualify for a home loan.

For more information please visit the NADL program website.

undefined Direct Home Loans for Native Americans?


For more information, see the Program Contact Information below.


If you have questions:

To apply for VA benefits and services, view your benefit status, and many more services go to www.va.gov and either logon with your eBenefits sign on or use www.Logon.gov to enroll. VA.gov is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. Veterans, service members and their family members can conduct self-service transactions such as checking compensation and pension claim status information, enrolling in GI Bill, and obtaining copies of civil service preference letters, military records (DD214), and other personal information. For further information visit the VA.gov website.