Section 184 Indian Home Loan Guarantee Program

The Section 184 Indian Home Loan Guarantee Program was established by Congress in 1992 to help facilitate homeownership and increase mortgage financing options in Native American Communities. Since the loans are guaranteed by the U.S. Department of Housing and Urban Development (HUD), they generally offer favorable rates, terms and easier qualification requirements.


Is It Right for You?

A preferred solution for American Indians, Alaska Natives or others who are members of a federal recognized tribe, and are looking to purchase, refinance or renovate a home.


Is It Right for Your Situation?

Primary residence, single family properties, condos and townhomes, and Planned Unit Developments (PUDs); maximum loan amounts vary by county (FHA Mortgage Limits by County).


Features and Benefits

  1. Low down payment options
  2. Tribal grants, gifts and seller contributions for closing costs may be allowed
  3. At least one of the occupant borrowers must be member of a Federally-recognized Tribe
  4. Can be used for purchase, rehab, or refinance
  5. Offers a 15- and 30-year fixed rate


Gateway Mortgage is one of the top lenders when it comes to providing Section 184 mortgage loans to Native American families. Like you, we are proud of our heritage and we stand ready to help you fulfill your dream of homeownership. For more information, please visit Section 184 – U.S. Department of Housing and Urban Development.

Ready to get expert advice and determine what works best for your personal situation? Contact one of our local, caring mortgage professionals at a Mortgage Center Near You.