Program Details

The Native American Home Loan Benefit Program:

As a Native American in Oklahoma, a unique mortgage, the Section 184 loan, is available just for you as a federally recognized tribal member. Native American homeownership has historically been an underserved market and in 1992, the Section 184 Indian Home Loan Guarantee Program was created by the Housing and Community Development Act to address the lack of mortgage lending in Indian Country.  The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. The program has grown to include many eligible areas, determined by participating tribes, across the country. For Oklahoma borrowers, the entire state of Oklahoma is eligible.

The land located in an eligible Indian area or Alaska Native area (as determined by the participating Tribes) may entail Tribal Trust, Allotted Trust, or fee simple.
  • The section 184 loan is available in all counties in AK, AZ, CA, CO, FL, HI, ID, IN, KS, MA, ME, MI, MN, MT, NC, ND, NM, NV, OK, OR, SC, SD, UT, WA, and WI.
  • The section 184 loan is available in SELECT counties in AL, CT, IA, IL, LA, MO, MS, NE, NY, RI, TX, and WY.
  • The section 184 loan is NOT available in AR, DE, DC, GA, KY, MD, NH, NJ, OH, PA, TN, VT, VA, and WV. 

Many people are using their Section 184 Native American loan benefit to lower their monthly payment, lower their interest rate, or purchase a home with a smaller down payment.

Authorized under the Housing and Community Development Act of 1992, the Section 184 Indian Loan Program is designed to offer home ownership, property rehabilitation, new construction, and refinance opportunities for eligible individual Native American tribal members.

A Native American mortgage offers:

Click here to be immediately matched with a Native American Loan certified loan officer specializing in your area to work with you throughout the loan process.

Do I Qualify?


Am I Eligible?

Obtaining a HUD Section 184 Native American home loan is fast and free!

In Oklahoma, only a small portion of tribal members are aware of the Section 184 Native American Home Loan Benefit, even though they may be eligible. To qualify, you must be an American Indian or Alaska Native who is a member of a federally recognized tribe over the age of 18 who will occupy the property as a principal residence.

If you are considering a Section 184 Tribal Loan to buy a home or refinance your current loan, the fastest and easiest way to find out if you are eligible is to get qualified with a Native American Mortgage Specialist who can help you determine your eligibility, monthly payment savings, maximum loan amounts, and program advantages.

Get Qualified More Information

Section 184

news & info

  • 2022 Section 184 Native American Mortgage Loan Limit Increase! 05/18/2022

    THIS IS HISTORIC NEWS FOR ALL OKLAHOMA FEDERAL TRIBAL MEMBERS!  It was just released that the Department of Housing and Urban Development (HUD) increased the maximum loan amount for the Section 184 Native American home loan to $420,680!! This applies to ALL of ... READ MORE
  • Section 184 Program Open for Fiscal Year 2022 10/13/2021

    On August 17, 2021, HUD and the Office of Native American Programs informed Lenders that the Section 184 Indian Home Loan (Section 184) program would begin the Fiscal Year 2021 financial closeout beginning on September 20, 2021. The Fiscal Year closeout process is now ... READ MORE
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