HUD-184 Home Loan
If you’re a member of a Native American tribe, this home loan option might be the right choice for you.
What’s a HUD-184 Home Loan?
The HUD-184 Loan is a loan program that is federally-backed by the Department of Housing & Urban Development.
It was created specifically to provide access to mortgage financing for Native American tribal members.
Loan Facts You Should Know
✓ You must be an enrolled member of a Federally recognized Tribe to qualify.
✓ Only one borrower needs to be a Tribal member (which means that you can still qualify even if your spouse is non-Native).
✓ Down payments are as low as 1.25% - 2.25% (which is lower than FHA loans!)
✓ Gifts and Tribal assistance are permitted.
✓ You can use it anywhere in Oklahoma, not just on a reservation.
✓ The maximum loan amount in Oklahoma is $420,680.
✓ One-time 1.5% guarantee fee paid to the government.
✓ Can be used to refinance your current home.
✓ Can be used to buy, build, or remodel a home.
✓ No minimum credit score — but your credit score is still VERY important.
✓ Low monthly mortgage insurance
✓ No hidden fees or terms
How It Works
Own your dream home in three simple steps:
Step 1
Schedule Home Loan Coaching Session
Step 2
Get pre-approved for your mortgage
Step 3
Move into your dream home!
Wondering what happens during a Home Loan Coaching Session?
Visit our Coaching page to see a real Coaching Session.
Educational Resources
Fannie Mae offers a FREE course with everything you need to know about buying your first home.
Check out these articles for answers to the most common questions we get from homebuyers who are interested in using a HUD-184 loan:
