Public and Indian Housing Indian Loan Guarantee Program


To provide access to sources of private financing so Native American families can become homeowners in Indian Country.

General information about this opportunity
Last Known Status
Program Number
Federal Agency/Office
Office of Public and Indian Housing, Department of Housing and Urban Development
Type(s) of Assistance Offered
F - Guaranteed/Insured Loans
Program Accomplishments
Fiscal Year 2016 The program projects to guarantee 5,400 loans. The program guaranteed 4149 loans.
Fiscal Year 2017 The program projects to guarantee 4149 loans.
Fiscal Year 2018 The program projects to guarantee 4444 loans.
Fiscal Year 2019 Over 43,000 loans were guaranteed.
Fiscal Year 2020 In FY 2020, the Department of Housing and Urban Development guaranteed almost 3,000 loans.
Fiscal Year 2021 Guaranteed slightly more than 3,100 mortgage loans.
Fiscal Year 2022 Guaranteed slightly more than 3,100 mortgage loans.
Fiscal Year 2023 To guarantee around 3,000 mortgage loans.
Housing and Community Development Act of 1992
Consolidated Appropriations Act of 2022, Public Law 117-103
Consolidated Appropriations Act of 2023, Public Law 117-328
Who is eligible to apply/benefit from this assistance?
Applicant Eligibility
American Indians or Alaska Natives who are members of a federally recognized tribe, federally recognized Indian tribes, Tribally Designated Housing Entities, and Indian Housing Authorities
Beneficiary Eligibility
The homeowner is the ultimate beneficiary of the program. When the Indian Housing Authority, TDHE, or Tribe is the homebuyer, they may then rent the property. In these cases, the person renting the home would be an indirect beneficiary.
Loan applicants must provide the lender with documentation on eligibility, assets, income, debts and liabilities to show ability to obtain and repay the mortgage loan.
What is the process for applying and being award this assistance?
Pre-Application Procedure
Preapplication coordination is not applicable.
Application Procedure
2 CFR 200, Uniform Administrative Requirements, Cost Principles, and Audit Requirements for Federal Awards applies to this program. Applications are submitted to eligible financial institutions. With the loan application, the homebuyer must submit documentation such as pay stubs, W-2 forms (income tax returns if self-employed), evidence of assets such as bank accounts, and any other documentation requested by the lender to support the applicant's ability to obtain and repay the mortgage. The lender verifies the land status of the proposed property.
Award Procedure
The financial institution obtains and reviews all documentation and forwards it to HUD's Office of Native American Programs. HUD sends the Section 184 Loan Guarantee Firm Commitment Form to the Lender if the mortgage meets the Section 184 Program underwriting criteria. The financial institution is responsible for assuring Tribal eligibility, land status, property acceptability and the creditworthiness of the loan applicant. HUD has responsibility for the approval or disapproval of the loan (the application for loan guarantee). Eligible lenders may originate loans under the Direct Guarantee Program. Direct Guarantee lenders underwrite, approve, and close the loan prior to submission to HUD for the Loan Guarantee Certificate.
Not applicable.
Approval/Disapproval Decision Time
From 15 to 30 days. There are no specific time requirements for the processing of these loans.
From 15 to 30 days. Applicants whose loans are disapproved may appeal the disapproval if the applicant can provide additional documentation to resolve the issues which lead to the disapproval.
Not applicable.
How are proposals selected?
Not applicable.
How may assistance be used?
A loan guaranteed by this program may be used to construct, acquire, or rehabilitate eligible housing.
What are the requirements after being awarded this opportunity?
Performance Reports: Performance monitoring is also part of the reporting process described above.
In accordance with the provisions of 2 CFR 200, Subpart F - Audit Requirements, nonfederal entities that expend financial assistance of $750,000 or more in Federal awards will have a single or a program-specific audit conducted for that year. Non-Federal entities that expend less than $750,000 a year in Federal awards are exempt from Federal audit requirements for that year, except as noted in 2 CFR 200.503.
Copies of loan files are maintained by HUD. The lender that originates the loan must maintain a copy of the loan file for 2 years after loan closing. The lender that services the loan must maintain the loan file for the life of the loan plus 3 years.
Other Assistance Considerations
Formula and Matching Requirements
Statutory formula is not applicable to this assistance listing.

Matching requirements are not applicable to this assistance listing.

MOE requirements are not applicable to this assistance listing.
Length and Time Phasing of Assistance
The loan term shall not exceed thirty years. Processing time of the individual loans will depend on the quality of the application documentation submitted and the lender's ability to ascertain proper land and lease status. This is a loan guarantee program. Therefore, assistance is given in the form of a guarantee. No funds are awarded or released unless there is a default on a guaranteed loan.
Who do I contact about this opportunity?
Regional or Local Office
None/Not specified.
Headquarters Office
Krisa Johnson
451 7th Street, S.W., Room 4108
Washington, DC 20410 US
Phone: (202) 402-4978
Website Address
Financial Information
Account Identification
(Guaranteed/Insured Loans) FY 22$822,500,000.00; FY 23 est $170,000,000.00; FY 24 est $689,000,000.00; FY 21$2,818,381.00; FY 20$1,040,000.00; FY 19$1,339,000.00; FY 18$4,006,000.00; FY 17$3,986,346.00; FY 16$4,492,000.00; -
Range and Average of Financial Assistance
In FY 2022, the average loan amount was approximately $230,000.
Regulations, Guidelines and Literature
24 CFR Part 1005; a Guidebook and literature is available from HUD's Office of Native American Programs.
Examples of Funded Projects
Not applicable.


Federal Grants Resources