HUD Section 184 offers loans in 3 major categories:

Buy, Build or Refinance.

Welcome to 1st Tribal Lending

The Native American and Native Hawaiian home loan experts

Here at 1st Tribal Lending we are dedicated to providing you with Section 184/184A Home Loans. We’ve made it our mission to provide you with an easy and efficient experience. Many of our employees were pioneers in Native home lending and have been doing these loans since the beginning of the program. We’ve successfully closed thousands of home loans for Native Americans around the nation. This has made us the go to experts on HUD Section 184/184A loans.

Loan Facts you should know:

You must be an enrolled member of a federally recognized tribe or a Native Hawaiian to qualify

Downpayments are as low as 1.25% – 2.25%

Regular 30 yr fixed interest rates available

Common sense approval process

Only a 1.0% guarantee fee to the government

Cash out refinance to 85% loan to value

In-house loan approvals and funding

Your home can be on or off the reservation (within approved areas)

Gifts and tribal assistance are permitted

No hidden terms or fees

No Monthly Mortgage insurance for loans closed after 7/1/23

Doublewide and modular homes allowed

New construction and renovation allowed

Helpful Videos

We’ve successfully closed thousands of loans across the nation

Record of HUD Section 184 loans closed over the past few years
72%
2016 1560 loans closed
69%
2017 1480 loans closed
61%
2018 1317 loans closed
58%
2019 1257 loans closed
100%
2020 2159 loans closed
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1st Tribal Lending, a dba of Click n Close Mortgage, Inc., NMLS 150009
NMLS Consumer Access
Texas Consumer Complaint Disclosure; Arizona Lic BK 0917159; licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Act Lic 4131103 and Finance Lenders Law Lic 603J732; regulated by the Colorado Division of Real Estate; Illinois Residential Mortgage Licensee MB.6850057; Kansas Licensed Mortgage Company MC.0025093; Massachusetts Lic ML150009; Oregon ML-5045; Washington Lic CL-150009.