A Home Loan Built For Native Families.
Section 184 is the federal home loan guarantee program created specifically for American Indian and Alaska Native households.
A federal program written for Native homeownership
Section 184 is guaranteed by HUD and designed around Native and Alaska Native families.
- Created for American Indian and Alaska Native families, Alaska villages, tribes, and tribally designated housing entities.
- Guaranteed through the U.S. Department of Housing and Urban Development.
- Available for the purchase of a home.
- The home must be owner-occupied.
- Fixed-rate terms of 15, 20, and 30 years.
- The borrower must be a U.S. citizen.
For American Indian and Alaska Native families
Guaranteed by HUD
Purchase transactions
Owner-occupied properties only
Fixed terms of 15, 20 or 30 years
U.S. citizenship required
What is the Saxton HUD Section 184 Loan?
The Indian Home Loan Guarantee Program, written for Native and Alaska Native homebuyers.
Section 184 is a home mortgage product created specifically for American Indian and Alaska Native families, Alaska villages, tribes, and tribally designated housing entities. It exists because conventional lending has historically been difficult to access for Native homebuyers, particularly on trust and tribal land.
The loan is guaranteed by the U.S. Department of Housing and Urban Development. That federal guarantee is what makes lenders able to offer it, and it is the reason the program can be structured around the needs of Native households rather than around a standard underwriting box.
It is a purchase program for owner-occupied homes, offered on fixed-rate terms of 15, 20 and 30 years. The borrower needs to be a U.S. citizen. Because eligibility runs through tribal enrollment and the property itself can sit in a range of ownership situations, it is worth an early conversation rather than a guess.
Why choose the Saxton HUD Section 184 Loan?
For Native and Alaska Native families who have found conventional financing hard to reach.
Written For This Purpose
This is not a general program with an exception carved out. It was built specifically for American Indian and Alaska Native homeownership.
A Federal Guarantee
HUD stands behind the loan, which is what allows it to work in situations conventional lending often cannot reach.
Tribes And Housing Entities
Eligibility extends beyond individual families to Alaska villages, tribes, and tribally designated housing entities.
Predictable Fixed Terms
Fixed-rate options at 15, 20 and 30 years, so the payment structure is steady and easy to plan around.
We Will Walk The Eligibility
Enrollment documentation and the land situation both matter here. We would rather work through it with you early than late.
Fixed Terms You Can Plan Around
Fifteen, twenty and thirty year fixed options mean the payment structure stays steady for the life of the loan.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about the Section 184 Indian Home Loan Guarantee Program.
It is for American Indian and Alaska Native families, as well as Alaska villages, tribes, and tribally designated housing entities. Individual borrowers also need to be U.S. citizens.
Yes. Section 184 is for owner-occupied properties.
This program is offered here for purchase. If you already own and are looking at a refinance, we should talk about which other programs fit your situation.
Fixed-rate terms of 15, 20 and 30 years.
Not necessarily. Section 184 is designed to work across a range of land situations, which is one of the reasons it exists. The specifics affect the process, so tell us early where the property is.
Tribal enrollment documentation is central to it. We will tell you exactly what is needed for your tribe rather than sending you off to guess.
No. Both involve HUD, but Section 184 is a separate guarantee program with its own eligibility rules, written specifically for Native and Alaska Native households.
You apply through an approved lender rather than through HUD directly. The steps look like any other purchase application with one extra piece. You start the application with us, we collect the usual income, asset and credit documentation, and alongside that you provide proof of enrollment in a federally recognized tribe. The file then goes to HUD for the loan guarantee before the loan can close.
Three things drive eligibility. You have to be an enrolled member of a federally recognized tribe, an Alaska Native, or a tribe or tribally designated housing entity. The home has to be one you will live in as your primary residence. And U.S. citizenship is required. The normal income, credit and asset review applies on top of those three.
Yes. HUD 184, Section 184 and the Section 184 Indian Home Loan Guarantee Program are three names for the same program. People search for it under all three, and lenders use them interchangeably.
Find out what you qualify for
If you are an American Indian or Alaska Native family looking at buying, this program was written for you. Let us talk through eligibility.
Get Pre-Qualified*Loan amounts, rates, terms, and eligibility are subject to credit approval, income and asset verification, and program guidelines. The Section 184 Indian Home Loan Guarantee Program is limited to eligible American Indian and Alaska Native borrowers, Alaska villages, tribes, and tribally designated housing entities, and requires owner occupancy. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.