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HUD Indian Home Loan Guarantee Program
HUD Office of Native American Programs

Program Overview

HUD Indian Home Loan Guarantee Program is a program that provides guaranteed loans to enrolled members of federally-recognized Native American tribes. Statewide.

Who is eligible for this program?

Borrowers must be enrolled members of the Eastern Band of Cherokee Indians, the Lumbee Tribe of North Carolina, or the Catawba Nation. Borrower must provide verification of enrollment. Funds may be used for the purchase, construction, or rehabilitation of a single-family home.

Maximum % of Sales Price: 105%
Household Income Limit: $ 10000000
Is this program for first time buyers only? No

Property Eligibility Requirements

Statewide. Borrowers who are members of the Catawba Nation must pruchase homes in Cabarrus, Gaston, Mecklenburg, or Union Counties.
Allowable property types: Single-family homes

Benefit Details

FIxed-rate mortgage for the purchase, construction, rehabilitation, or puchase and rehabilitation of a single-family home. Maximum loan of $455,625

Benefit: Mortgage for the construction, purchase, or rehabilitation of a single-family home.
Loan Term:30 years
Owner Occupancy Required:Yes
Other Program Comments:Down payments are required: 2.2% for loans over $50,000, 1.25% for loans under $50,000. A one-time, 1% loan guarantee fee is required, and can be added to the loan. Homebuyer counseling is recommended, but not required.

Please note: Every attempt is made to reflect accurate and up to date information on housing programs displayed on this site. Some inaccuracies may exist. For verification contact a certified REALTOR member.

For more information about this and other homebuyer programs please contact one of the following:

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