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How Does it Work?

As a Native American in Oklahoma, a unique mortgage, the Section 184 loan, is available just for you as a federally recognized tribal member. 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 Americans, tribes.

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Am I Eligible?

Obtaining a Native American mortgage is simple!

The primary qualification of the Section 184 Native American Loan benefit is membership of a federally recognized tribe. Eligible borrowers are Indians or Indian family members over the age of 18 who will occupy the property as a principal residence.

If you are considering a Section 184 Native American Home Loan, the fastest and easiest way to find out if you are eligible is to contact a Native American Mortgage Specialist who can help you determine your eligibility, qualification level, and program options.

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Section 184

news & info

  • Section 184 Mortgage, New Annual Insurance Premium 11/15/2014

    All Section 184 case numbers issued on or after November 15, 2014 for the Section 184 Native American Mortgage home loan program , will be subject to an annual loan guarantee premium of 0.15 percent. This premium is in addition to the upfront 1.5% loan guarantee fee... READ MORE

  • The wait is over, refinance funds will be available 4/4/2014

    Effective Friday April 4th, 2014 – The Section 184 Native American Mortgage home loan program will resume issuing case numbers for refinances on fee simple land. This means that the Section 184 program will again be offering all refinance types that were previously available. However, it is important to note... READ MORE

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