Section 184 home loans for Native American and Alaska Native borrowers
A place to gather, room to grow, and a future that feels like your own. Amy and our team will help you explore Section 184 financing with clear answers and care for what matters to you.
Your plans might begin with a first home, a move closer to family, or a home you want to improve. You do not need to have every answer before reaching out. We'll start with where you hope to live and the monthly spending plan that feels comfortable for you.
A homeownership program worth understanding
The Section 184 Indian Home Loan Guarantee Program is a HUD-backed mortgage program designed to expand homeownership access for American Indian and Alaska Native communities. An approved lender makes the loan; HUD provides a guarantee to that lender.
It is a mortgage you repay, with fixed-rate terms of up to 30 years. We'll help you understand financing for an eligible home purchase and review any refinance questions with you. Explore HUD's program overview.
For individual borrowers, tribal enrollment and other program eligibility must be documented. HUD identifies enrolled members of federally recognized tribes, including eligible Alaska Native borrowers. Ask us to review your documentation and any Alaska Native village or regional corporation eligibility. Enrollment questions belong with your tribe.
First-time and repeat buyers can explore the program. We will review eligibility alongside income, debts, credit history, and the home you want to finance. See HUD's borrower and lender guidance.
Your home does not have to be on a reservation
Section 184 can finance eligible fee-simple property, where the home and land are owned together. HUD's current map lists California as fully approved, including Roseville and Greater Sacramento. An ordinary neighborhood home can be an option; the property still needs to meet program standards.
Texas and Tennessee are partially approved. We will check the specific county and our lending availability before you plan around a property. View HUD's eligible-area map.
On tribal trust land, the land remains in trust. Financing generally involves the home and an approved leasehold interest. Tribal and Bureau of Indian Affairs coordination, title records, and lease approvals can add steps.
Individual allotted trust land has its own title and approval considerations. Bring any land or housing documents you already have, and we'll help identify the next questions. Read HUD's trust-land explanation.
One-to-four-unit primary residences may qualify. Approved manufactured homes on permanent foundations are also a possible path. Share the home you are considering, and we'll review the property requirements together. If you already own a home, you can also explore our refinance options.
Our team does not offer Section 184 renovation or rehabilitation loans. Although HUD includes those uses in its broader program guidance, they are not part of our Section 184 offering.
HUD's borrower guidance lists 2.25% down for loans over $50,000 and a lower 1.25% tier for smaller loans. We'll confirm the applicable calculation, including the $50,000 threshold, for your transaction.
Down payment is one part of cash to close. Closing costs, prepaid expenses, and any funds you want to retain after moving also matter.
HUD currently lists a 1% upfront guarantee fee, which may be financed. Loans closed on or after July 1, 2023 have no annual loan guarantee fee.
Compare all costs together with FHA, conventional, or VA financing if you are eligible. A lower total cost cannot be assumed from the program name alone.
Review HUD's down payment guidance and guarantee-fee information. Loan limits vary by county and number of units; check HUD's current loan-limit table.
Some tribal grants and approved assistance programs may help. Each has its own funding, credit, repayment, and compatibility rules. There is no single assistance credit-score requirement that applies to every Section 184 combination.
We'll identify the actual program and put its terms beside your mortgage costs. Explore our down payment assistance hub and ask your tribal housing office about local resources.
Use our pre-approval guide and First-Time Home Buyer Hub to prepare your questions. HUD also offers housing counseling resources.
A resource to read at your own pace
Keep a copy handy, make notes, and bring your questions to Amy. The cover and interior highlights now use our softer sage green.
Free downloadable PDF
Download Your GuideThis is Amy's existing educational guide with refreshed colors and a reader update. Its specific DPA rates, credit thresholds, and other lender-specific details are not current offers or universal HUD rules. Use this hub and current HUD guidance, and confirm the details with Amy before making decisions.
Watch and learn with Amy
Watch Amy's original Section 184 video, then explore her full playlist. Bring your questions about the details that apply to your home plans.
Visit Amy's Section 184 video collection for more explanations and buyer guidance.
Explore the Section 184 Video Playlist →No. Eligible first-time and repeat buyers can explore Section 184. Tell us about your current housing and the home you plan to occupy.
No. Eligible off-reservation homes can qualify. California is fully approved on HUD's current program-area map; the home itself still needs to meet lending requirements.
Share the address and property details with us before you make plans around a home. We'll review its location, property type, and land status, then explain the appraisal and other requirements that apply.
An eligible owner-occupied property with up to four units may qualify. Ask us to review the property and any proposed rental income rather than assuming it can be used to qualify.
Your credit history, income, debts, and lender requirements need to be reviewed together. Any down payment assistance has separate rules. A score mentioned in a guide should not be treated as an approval or a universal program minimum.
No. Section 184 is a distinct HUD loan guarantee program with its own borrower eligibility and rules. We can compare it with FHA, conventional, and other eligible choices.
Timing depends on the property, documentation, appraisal, HUD processing, and any tribal or BIA approvals. We will build a timeline around your file and the current HUD processing status.
Bring your questions, a general picture of income and savings, and an address if you have one. We will explain which enrollment, income, asset, and land documents are needed and how to share them securely.
Amy DeBusk | Mortgage Made Easy
I'm Amy DeBusk, Branch Manager & Mortgage Advisor with loanDepot. Whether you are ready to buy or just beginning to explore, you are welcome to bring your questions. We'll make room for the details of your life and help you understand your choices.
HUD lists loanDepot among its approved Section 184 lenders. Our team will confirm the available products and service area for your transaction. View HUD's lender list.
Schedule a Conversation With AmyPrefer to call or text? (916) 705-2557.
HUD sources reviewed September 27, 2026. Program rules, fees, limits, and lender requirements may change. All loans are subject to approval. This educational page does not establish individual eligibility.
Serving homebuyers and homeowners in Roseville, Rocklin, Lincoln, Citrus Heights, Antelope, Fair Oaks, Carmichael, Sacramento, and across California, Tennessee, and Texas.
