Available Resources

Section 184 Home Loan Guarantee Program

This program is a federally funded mortgage program that is guaranteed by HUD to assist Native families attain home ownership. Section 184 can be utilized for the following: purchase an existing home, new construction loans for stick-built or manufactured homes, rehabilitation loans and refinancing loans. This program is available to tribal members who reside outside the seven-county service area. If the recipient defaults on the mortgage, HUD pays the lender.

Section 184 can be used for
  • Purchase an existing home,
  • Construction loans for stick built or manufactured on permanent foundations,
  • Rehab loans, or
  • Refinancing loans.
American Indian or Alaska Native who are members of a Federally recognized Tribe.
  • An Indian Tribe
  • A Tribally Designated Housing Entity (TDHE)
  • An Indian Housing Authority (IHA)

Lender Participation:
Loans are originated and serviced by lenders that have completed Section 184 training. The Sault Tribe Housing Authority does not process mortgages. Please contact one of the lenders listed below:

1st Tribal Lending
2401 San Pablo Ave
Pinole, CA 94564
"Here at 1st Tribal Lending, we are dedicated to providing you with Section 184 Home Loans. We’ve made it our mission to provide you with an easy and efficient experience. Many of our employees were pioneers in the 184 business and have been doing these loans since the beginning of the program. We’ve successfully closed thousands of home loans for Native Americans around the nation. This has made us the go to experts on HUD Section 184 loans."

USDA Rural Development Single Family Housing Programs
USDA Rural Development offers qualifying individuals and families the opportunity to purchase or build a new single-family home with no money down, to repair their existing home, or to refinance their current mortgage under certain qualifying circumstances. There are also programs to assist non-profit entities in their efforts to provide new homes or home repair to qualifying individuals and families.

FHLBDM Logo Native American Homeownership Initiative
Since 1995, FHLB Des Moines has awarded $155.7 million in down payment and closing cost assistance to help more than 32,700 families with the purchase of a home. Through our Native American Homeownership Initiative (NAHI), eligible households may receive up to $15,000 for down payment and closing cost assistance.

naihc logo trans National American Indian Housing Council

Mission Statement

To effectively and efficiently promote and support American Indians, Alaska Natives and native Hawaiians in their self- determined goal to provide culturally relevant and quality affordable housing for native people.

SDNHOC_Logo_Color-01_invert-uai-258x175 South Dakota Native Homeownership Coalition
The South Dakota Native Homeownership Coalition is a collaborative group of key agencies dedicated to increasing homeownership opportunities for Native Americans in the state of South Dakota. 

GROW-SD-HR-color GROW South Dakota Home Ownership Programs
Created in 2013, the South Dakota Native Homeownership Coalition was born out of a need to expand homeownership opportunities for Native Americans in the state of South Dakota. The Coalition works to increase Native homeownership rates by strategically leveraging knowledge and resources among stakeholders and other key entities. Through these synergies, we aim to revitalize our communities by creating an environment that supports Native Americans in achieving their dream of homeownership.

logo Homes are Possible
HAPI is a non-profit group of concerned citizens who are committed to empowering individuals, stabilizing families, and revitalizing neighborhoods through a variety of economic and social initiatives. The purpose is to facilitate very low-, low- and moderate-income persons and families in securing and/or refurbishing good quality affordable housing.

HUD-Logo-600x600 U.S. Department of Housing and Urban Development - Eastern/Woodlands Office of Native American Programs

Mission Statement

To increase the supply of safe, decent, and affordable housing available to Native American families. To strengthen communities by improving living conditions and creating economic opportunities for tribes and Indian housing residents; and To ensure fiscal integrity in the operation of the programs it administers.