Program Description

The Department of Veterans Affairs (VA) provides direct loans to certain Veterans who are Native Americans for the purchase, construction, or improvement of homes located on Federal Trust Land.

General Program Requirements

Veterans who are, or whose spouses are, recognized by a Federally Recognized Tribal Government as a Native American and who: (a) Served on active duty on or after September 16, 1940, and were discharged or released under conditions other than dishonorable. If service was any time during World War II, the Korean Conflict, the Vietnam-era, or the Persian Gulf War, then the Native American Veteran must have served on active duty for 90 days or more; peacetime service only must have served a minimum of 181 days continuous active duty. If separated from enlisted service which began after September 7, 1980, or service as an officer which began after October 16, 1981, a veteran must also have served at least 24 months of continuous active duty or the full period for which called or ordered to active duty. Veterans of such recent service may qualify with less service time if they have a compensable service-connected disability or were discharged after at least 181 days, under the authority of 10 U.S.C 1171 or 1173. (b) Any veteran in the above classes with less service but discharged with a service-connected disability. (c) If acknowledged as a Native American by a Federally Recognized Tribal Government, unmarried surviving spouses of otherwise eligible Veterans who died in service or whose deaths were attributable to service-connected disabilities and spouses of members of the Armed Forces serving on active duty, who are listed as missing in action, or as prisoners of war and who have been so listed 90 days or more. (d) Members of the Selected Reservists who are, or whose spouses are, recognized by a Federally Recognized Tribal Government as Native Americans and who are not otherwise eligible for home loan benefits and who have completed a total of six years in the Selected Reserves followed by an honorable discharge, placement on the retired list, or continued service.

Your Next Steps

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

Application Process

Each participating tribe must first enter into a Memorandum of Understanding with VA. Eligible Veterans may contact the local VA Regional Loan Center for assistance in obtaining a Certificate of Eligibility and obtain an acknowledgment of Native American status from his or her tribal council or Native American organizational body. This evidence should be presented to the nearest VA office with an application for a loan.

Program Contact Information

John Bell, III
Assistant Director, Loan Policy and Valuation

Additional Information

Catalog of Federal Domestic Assistance (CFDA) Number64-126
Current Method of Tribal EligibilityThis program provides assistance in the way of loans to individual tribal members who have VA home loan eligibility. VA is not authorized to give assistance to tribal governments or groups.
Can the funding from the program be renewedYes
Funding TypeMandatory
Entities Eligible for Grant AssistanceNI - Native Individual, if a Veteran
Matching Funds RequiredNo
Number of People Served by this Program (Approximate)As of end of fiscal year 2014, over 1000 loans have been made. The potential number of eligible borrowers is unknown.
Recurring Base Funding for TribesNo
Do Tribes compete with other entities for funding from the program?No

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