Section 184 Indian Home Loan Guarantee Program
The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Congress established this program in 1992 to facilitate homeownership and increase access to capital in Native American communities. With Section 184 financing, borrowers can get into a home with a low down payment and flexible underwriting. Section 184 loans can be used both on and off native lands for new construction, rehabilitation, purchase of an existing home, or refinance.
Eligible Borrowers:
- American Indians or Alaska Natives who are members of a federally recognized tribe
- Federally recognized Indian tribes (Contact a Loan Originator for a complete list)
- Tribally designated housing entities and Indian Housing Authorities
Eligible Areas:
Loans must be made in an eligible area. The program has grown to include eligible areas beyond tribal trust land. Contact a Loan Originator for a complete list.
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04/3/2026
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