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Flat Branch Home LoansIndian Home Loan Guarantee Program

Flat Branch Home Loans offers the Section 184 Indian Home Loan Guarantee program for eligible homeowners, guaranteed by the U.S. Department of Housing and Urban Development (HUD). This program features a low down payment and flexible guidelines, opening up opportunities for families who have diverse financial and familial needs within the tribal membership.

Who’s it For?

The Indian Home Loan Guarantee Program was designed to provide private funds for the purchase of an existing home, single-close construction, rehabilitation, purchase, and renovation and refinancing. This program is for:

  • Enrolled members of federally recognized tribes. For a list of eligible tribes, please click here.
  • Federally-recognized Native American tribes
  • Indian Housing Authorities
  • Tribally-designated housing entities

Participating tribes are allowed to determine where Section 184 is available. Some states have statewide availability, while others are limited to specific counties. You can check your state's eligibility status here.

Program Highlights

Some of the program’s perks include:

  • Low down payment
  • No monthly mortgage premium payment necessary - instead there’s a one-time 1% loan guarantee fee added at closing
  • Fixed rates for 30 years or less
  • Funds can be used by a tribally-designated housing entity or an Indian Housing Authority to develop rental housing or to build single-family homes
  • Home can be on or off tribal lands

This program can be used for:

  • Purchase of a new home
  • Refinancing a home

Our team of loan officers at Flat Branch Home Loans are passionate about placing you in the home you love and are ready to help you begin the homebuying process.