HUD Section 184 offers loans in three major categories:

Buy, Build or Refinance.

With the goal in mind of helping build Native American homeownership, HUD designed the Section 184 program to have maximum flexibility.

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We are a proud sponsor of

The American Indian College Fund

Every loan results in a donation for a Native American student to attend
the college of their choice. 1st Tribal is sponsoring 17 scholarships this year.

We Are Here to Help

Interested in a Section 184 Home Loan today?

Visit our FAQ's page for basic information and fill out an application form to pre-qualify today for Section 184 Title Home Loans

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Since our founding in 2011, 1st Tribal has provided $3.6 Billion in loans to 16,500 Native Families.

Need help with downpayment?

The Rosebud Downpayment Assistance Program can help.

CLICK HERE FOR INFO

HUD Section 184 offers loans in 3 major categories:

Buy, Build or Refinance.

Apply Now!

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.

HUD 184 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

View FAQ’s and information center

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