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Native American Housing Loans

The Native American Conventional Lending Initiative (NACLI) supports lending on fee-simple, federally restricted trust lands, and tribally restricted fee simple lands. We work with conventional (or non-government-backed loans) as well as government-backed loan products of the U.S. Department of Housing and Urban Development (HUD) and the Rural Housing Service (RHS) to better serve the housing needs of Native Americans. Fannie Mae also works with PMI Mortgage Insurance Company to offer a NACLI 1 percent down payment mortgage on fee-simple and federally restricted trust lands.


Key NACLI Features:

  • Any Native American, Indian Housing Authority, Tribally Designated Housing Entity is eligible.
  • Loans are available for one- to four-family principal residences, including condominiums.
  • Borrowers can build a home and get permanent financing with one mortgage and one loan closing through HUD's Section 184 and Section 248 housing programs and the HomeStyle® products.
  • Borrowers can buy a home with no money down through the RHS Section 502 Rural Housing Native American Pilot (RHNAP).
  • Fixed-rate mortgages with terms of 10, 15, 20, or 30 years are available, including a wide array of low down payment loans.
  • MyCommunityMortgage™ loans can be made for properties on tribal trust and restricted lands by a lender that has NACLI Terms and Conditions, and there are no income limits.
  • Cost-based appraisals are allowed when sales comparables are unavailable.


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