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I am enrolled in a federally recognized tribe.
My family and I wish to move to my reservation. What kind of program
is available to help my family and me?
Many tribes have their own programs designed to meet the needs
of their own citizens. You can contact the tribe where you are
enrolled. Many tribes have Tribally Designated Housing Entities
(TDHEs) to manage their local housing programs and some tribes
have Indian Housing Authorities (IHAs). Most will have a program
to fit your needs whether it is to rent, buy or repair an existing
home.
How can I purchase a home on my reservation?
Congress established the Section
184 Indian Housing Loan Program in 1994. The loan program
is designed to offer homeownership. The loan may also be used
to purchase existing housing, property rehabilitation, and new
construction for eligible tribes, Indian Housing Authorities and
Native American individuals and families wanting to own a home
on their native lands. You can find more information by calling
toll free: 1-800-561-5913 or (303) 675-1600.
The reality of homeownership in Indian Country
can be complex. Why?
The changing land status issues, diversity of tribal laws and
governments, lack of mortgage information, homebuyer skills, homebuyer
education, and credit issues all contribute to the challenges
in mortgage lending. To address these challenges, the Department
of Housing and Urban Development and U.S. Treasury convened a
task force of tribal governments, lenders, and federal agencies
to develop the One Stop
Mortgage Center Initiative Report. This report identifies
barriers and recommends solutions and identifies actions that
can be taken to make the mortgage process more user friendly and
increase homeownership opportunities in Indian Country.
Where can I find a lender that will work with
me to buy a home on my reservation?
A list of the HUD approved 184 lenders for financing homes is
available online:
I am Native American but I do not live on a
reservation. Does HUD have any programs to help me?
The programs administered by HUDs Office
of Native American Programs are available to Alaska Natives
and Native Americans who live on a reservation or within an Indian
area. However, HUD does have a number of other programs for which
you may qualify. These include rental assistance and insured mortgage
loans. While they are not exclusively for Native Americans, they
do help provide decent, safe and affordable housing opportunities
and may be exactly what you are looking for. Such programs are listed
on HUDs web site.
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