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Find Homeownership Incentives

Native American Direct Loan

First Time Homebuyers Rehab Project

Type Of Program

Deferred Second Mortgage

Program distribution

Deferred Second Mortgage

Program Originator

US Department of Veteran Affairs






If you’re a Veteran, and either you or your spouse is Native American, our Native American Direct Loan (NADL) program may help you get a loan to buy, build, or improve a home on federal trust land. You may also get a loan to refinance an existing NADL and reduce your interest rate. Find out if you qualify for a NADL—and how to apply.

Am I eligible for an NADL?

You may be eligible for an NADL if you’re a Native American Veteran or a non–Native American Veteran married to a Native American, and you meet all of the requirements listed below.

  • Your tribal government has an agreement—or Memorandum of Understanding (MOU)—with us detailing how the program will work on its trust lands, and
  • You have a valid VA home loan Certificate of Eligibility (COE), and
  • You meet our credit standards, and
  • You have proof that you make enough money to cover the mortgage payments and other costs of owning a home, and
  • You’ll live in the home you’re using the NADL to buy, build, or improve

AMI Limit


Employer Participation Required

Must Earn Counseling Certificate

Eligibility Limitations

Cash Sale Permitted

Cosigner Permitted

Owner Financing Permitted

Must be Primary Residence

Program Provider's Contact Name

Program Provider's Address

Program Provider's Phone

Program Provider's Email