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Section 184 Indian Home Loan Guarantee Program

  • HUD Statement on Status of the Section 184 Program

  • LENDERS: Effective today, the Office of Loan Guarantee will resume issuance of case numbers.  The case numbers, received since February 28, 2013, will be issued in order of receipt (first in first out). 
    *NOTE: Please notify our office immediately if a previously submitted case number needs to be withdrawn.

    Please read below, press release on behalf of the Section 184 Loan Guarantee Program.

    Your continued support of the 184 Loan Program is appreciated.

    Deanna Lucero
    Sr. Loan Guarantee Specialist    


    “On Tuesday, March 26, 2013, President Obama signed into law a bipartisan measure to continue funding the government through September 30, 2013.   Within the bill, the Section 184 program, a home loan product offered by the Department of Housing and Urban Development, was appropriated $12,200,000.  Starting today, the Section 184 program is accepting new loan applications, through the issuance of case numbers.  However, before the program can begin guaranteeing loans, we are required to comply with customary budget and accounting procedures.  The Section 184 program expects to begin issuing loan approvals no later than Monday April 15, 2013.” 

  • Status of the Section 184 Loan Guarantee Program (Posted March 11, 2013)

184 Partners

*NOTE: Until further notice, the Office of Loan Guarantee, Section 184 Program is not offering program training.  Sorry for the inconvenience.
Your continued interest and support of the 184 Loan Program is appreciated.

What is the Section 184 Loan Guarantee Program?

The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

Because of the unique status of Indian lands being held in Trust, Native American homeownership has historically been an underserved market. Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Program.

To help increase Native access to financing, the Office of Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native Borrowers. By guaranteeing these loans 100%, we encourage Lenders to serve the Native Communities. This increases the marketability and value of the Native assets and strengthens the financial standing of Native Communities.

Section 184 is synonymous with home ownership in Indian Country. As of 2010, the Section 184 program has guaranteed over 12,000 loans (almost $2 billion dollars in guaranteed funds) to individuals, Tribes, and TDHEs.

-   Map of guaranteed loans to date by state

The program has grown to include eligible areas, determined by participating tribes, across the country.

-   Map of eligible areas by state where the 184 loan can be used
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Section 184 Program Activity and Growth, 2006-2011

Resources

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Section 184 Staff Directory and Job Responsibilities

-   184 Resources for Native Borrowers
-   184 Resources for Tribes and TDHEs
-   184 Resources for Mortgage Lenders and CDFIs