Program Description

The program provides a 100 percent guarantee to lenders on mortgage loans made to Native borrowers, including American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Loans can be used for new construction, rehabilitation, purchase of an existing home, or refinance.

General Program Requirements

The loan applicant must be a member of a federally recognized Indian tribe, band, or community, which includes Alaska Natives, an Indian housing authority, or a tribally designated housing entity, which meets certain requirements. Applicant eligibility is validated by current enrollment in a federally recognized tribe.

Your Next Steps

The following information will lead you to the next steps to apply for this program.

Application Process

Applications are submitted to eligible financial institutions (lenders). With the loan application, the homebuyer must submit documentation requested by the lender to support the applicant's ability to obtain and repay the mortgage. The lender forwards all documentation to HUD, which issues the guarantee.

Program Contact Information

Thomas Wright
Director, Office of Loan Guarantee
thomas.c.wright@hud.gov
202-402-4978

Additional Information

Catalog of Federal Domestic Assistance (CFDA) Number14.865
Current Method of Tribal EligibilityProgram Only for Tribes/ Native Organizations
Can the funding from the program be renewedNo
Funding TypeDiscretionary
Matching Funds RequiredNo
Number of People Served by this Program (Approximate)30,000 + Families
Recurring Base Funding for TribesNo
Do Tribes compete with other entities for funding from the program?No
Tribes Funded by this ProgramSince 1995, more than 30,000 loan guarantees have been issued

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