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Questions and Answers
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.
can I purchase a home on my reservation?
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.
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.
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: