Alabama Native American Home Mortgage

Proudly Serving Alabama Native Americans

Alabama Native American Mortgage Lender

Are you considering purchasing a home in Alabama, undertaking the renovation of a property, or perhaps building a new residence? The Alabama Native American Home Mortgage Benefit offers a valuable opportunity to support these endeavors. Whether you aim to purchase a home, renovate an existing property, or embark on new construction, understanding the full scope of this benefit is essential. Capital Home Mortgage Alabama is well-equipped to assist in this process, helping you evaluate the timing and advantages of utilizing the Alabama Native American Home Mortgage Benefit. We provide comprehensive guidance on mortgage options, including assessing current interest rates and loan structures available through this program.

As a direct Alabama Native American Mortgage Lender, Capital Home Mortgage Alabama holds the authority to underwrite, approve, and fund your home loan independently. This direct control over the lending process enhances operational efficiency, reducing potential delays and ensuring a smoother, more expedited experience for applicants. By maintaining oversight of every stage—from the initial application to final approval—we can offer a mortgage process that is both streamlined and free of unnecessary complications.

If you are ready to move forward with your homeownership plans, we encourage you to contact one of our Alabama Native American Mortgage Specialists. Our knowledgeable team is ready to address any inquiries and guide you through each phase of the application, pre-qualification, and approval process. To get started, call us today at (800) 699-4943 to speak with a Loan Officer.

We are grateful for the opportunity to assist you in leveraging the Alabama Native American Home Loan program to achieve your homeownership goals. By utilizing this benefit, you are taking a significant step toward securing a home that meets your needs and aspirations.

Alabama Native Americans Overview

Alabama boasts diverse Native American tribes, each possessing a vibrant cultural legacy and historical importance. The prominent tribes that have historically been linked to Alabama are as follows:

  • The Creek (Muscogee) NationThe Creek, or Muscogee people, were the largest Native American group in Alabama before European contact. They formed a confederacy of autonomous towns that shared a common language and culture. The Creek were known for their complex political organization, agricultural practices, and trade networks. Historically, they controlled much of present-day Alabama and Georgia, and their influence extended throughout the Southeast.
  • The Cherokee Nation: Although the Cherokee homeland is traditionally associated with parts of Georgia, Tennessee, and North Carolina, the tribe held lands in northeastern Alabama. The Cherokee were known for their adaptability, adopting European agricultural techniques, and even forming their own constitution and government by the early 19th century.
  • The Choctaw NationThe Choctaw originally inhabited a large portion of the southeastern United States, including parts of western Alabama. They were known for their farming expertise and social and political structures, distinct from those of other tribes in the region.
  • The Chickasaw NationThe Chickasaw people historically inhabited northern Mississippi and northwestern Alabama. They were renowned for their military prowess and were involved in numerous conflicts with European settlers and other Native American tribes.
  • The Alabama (Alibamu) and Coushatta TribesThe Alabama and Coushatta tribes are closely related and historically lived in what is now central and southeastern Alabama. Both tribes were part of the larger Muskogean language group, and their cultures were similar to those of the Creek.
  • The Mowa Band of Choctaw IndiansThis smaller but significant group primarily resides near the Mississippi border in southern Alabama. They are descendants of the Choctaw who remained in Alabama following the Indian Removal.

The Native American tribes of Alabama have left an indelible mark on the state’s history and culture. From the Creek and its vast confederacy to the Cherokee’s tragic removal and the Cherokee’s presence of the Choctaw, Alabama’s Native American tribes played crucial roles in shaping the region. Despite the hardships of displacement and assimilation, many tribal communities continue to thrive, preserving their languages, traditions, and heritage in Alabama and beyond.

HUD 184 Mortgage Program Background and Purpose

The Section 184 Indian Home Loan Guarantee Program was established under the Housing and Community Development Act of 1992 to address the historical challenges Native Americans have faced in securing mortgage financing, particularly within Indian Country. Traditionally, homeownership among Native Americans has been an underserved market due to unique legal and logistical barriers. One significant challenge is that land held in trust for a tribe cannot be mortgaged, while land held in trust for individuals requires approval from the Bureau of Indian Affairs (BIA) before any liens can be placed on the property. This requirement creates significant hurdles for both lenders and borrowers, as it complicates the ability to mortgage, foreclose, or secure liens on trust property. These limitations have made lenders hesitant to offer home loans to Native Americans, limiting their access to capital and homeownership opportunities.

To overcome these challenges, the Section 184 Indian Home Loan Guarantee Program collaborates with a growing network of private sector lenders, tribal governments, and housing agencies to facilitate access to financing for Native American homebuyers. The program aims to increase the availability of mortgage lending in Native American communities by providing lenders with a federal guarantee, thereby reducing the risk associated with lending in these areas. This guarantee allows tribal members to access private funding options that would otherwise be unavailable, helping to foster homeownership and improve housing conditions within tribal lands.

Over time, the Section 184 program has expanded to include a wide range of eligible areas across the country, determined by participating tribes. Its scope extends to American Indian and Alaska Native families, Alaska Villages, Tribes, and Tribally Designated Housing Entities, providing them with tailored mortgage options that meet the unique needs of their communities. By enabling greater access to capital and private sector funding, the program supports the growth of sustainable homeownership among Native Americans, helping to build stronger, more self-sufficient communities. Through these efforts, the Section 184 Indian Home Loan Guarantee Program continues to address the historic gaps in mortgage lending for Native American homebuyers and contribute to long-term economic development in Indian Country.

Why Alabama Native Americans Are Choosing Capital Home Mortgage
Close On Time with True Approval

Control Application to Funding

Great Rates / Low Fees

Direct VA Mortgage Lender

Exceptional Customer Service

 Application to Final Payment

Alabama Native American Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for Securities
  • Property securing the Loan
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit Rating

Alabama Native American HUD 184 Home Loan Program

Barriers to Homeownership in Indian Country

Much of the land in Indian country is held in trust by the U.S. government for the benefit of a particular tribe or individual Native Americans. Land held in trust for a tribe cannot be mortgaged, and land held in trust for an individual must receive federal approval before a lien is placed on the property. As a result, tribes, IHAs/TDHEs, and individual Native American families have historically had limited access to private mortgage capital.

The Section 184 Loan Guarantee Program

In 1992 Congress created a federal program specifically designed to address the lack of mortgage capital in Indian country. Under the provisions of Section 184 of the Housing and Community Development Act of 1992 and as amended under the provisions of the Native American Housing Assistance and Self-Determination Act of 1996, the U.S. Department of Housing and Urban Development (HUD) was authorized to guarantee loans made by private lenders to Native Americans, IHAs/TDHEs and tribes. The loan guarantee program is intended to increase the availability of mortgage lending on Indian reservations or designated Indian operating areas.

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC
Fully Approved
Partial Approved
Not Elligible
*Check Availability
While the initial goal of the Native American Home Mortgage Program “HUD 184” was to promote development and access to home ownership on tribal lands, however it can be used anywhere in the United States unless prohibited by the individual state or county. Don’t worry if you state or county isn’t eligible, we have other options to help your purchase.

Alabama Native American Home Loan Programs

Alabama HUD 184 Home Mortgage Loan

Are You Interested in an Alabama Native American Home Mortgage?  Want to know what Alabama Native American Mortgage Rates are?  Want to see how much you qualify for with an Alabama Native American Purchase Home Mortgage?  Thinking of Refinancing?  Need information on an Alabama Native American Refinance Home Mortgage, an Alabama Native American Streamline Refinance Home Mortgage or an Alabama Native American Cash Out Mortgage?  Or maybe your thinking about renovating with an Alabama Native American Renovation Home Mortgage or building with an Alabama Native American Construction Home Mortgage.  No matter your questions Capital Home Mortgage Alabama, a direct Alabama Native American Mortgage Lender,  understands the requirements of each type of Alabama Native American Home Loan. 

Here are some important details you need to know before applying for the Alabama HUD 184 Native American Home Loans.

  • Credit Score:  The HUD-184 Loan does not require a minimum credit score, making it ideal for qualified and credit-challenged borrowers.
  • Debt-to-Income Ratio:  A single back ratio of 41% to 43% debt-to-income ratio to determine the loan size borrowers can afford.
  • Borrower Income Limit:  The HUD-184 Loan does not have borrower income limits.
  • Down Payment :  The HUD-184 Loan has some of the lowest down payment requirements in the market.
  • Closing Costs: This money could come from your savings, investments, or gifts from family members. Tribal assistance is also accepted.
  • Eligible borrowers may participate in the program multiple times but are allowed only one Section HUD 184 Loan at a time

Alabama Native American Purchase Home Mortgages

Capital Home Mortgage Alabama is proud to help Alabama Native Americans in obtaining the dream of home ownership.  The benefits of an Alabama Native American Purchase Home Mortgage are many.  To find out about all of the benefits available contact one of our Alabama Native American Loan Officers to discuss the loan approval process. 

  • Existing Home, Renovation, Construction
  • No Monthly Mortgage Insurance Required
  • Simple Qualifying / Manual Underwriting
  • Alternate Credit Allowed
  • Seller Paid Closing Costs Allowed
  • Small Down Payment of 2.25%
  • Max Debt Ratio is 43%
  • County Loan Limits Apply

Alabama Native American Streamline Refinance Home Mortgages

Capital Home Mortgage Alabama is proud to assist Alabama Native Americans in reducing their mortgage payment through an Alabama Native American Streamline Refinance Home Mortgage. Contact our Alabama Native American Loan Officers to discuss the process and how simple it is to lower your Alabama Native American Mortgage Rate.

  • HUD 184 to HUD 184
  • No Appraisal 
  • No Income Verification
  • No Mortgage Lates in Last Year
  • Closing Costs Can Be Rolled Into the Loan
  • Must Provide a Benefit
  • Lower Payment, Shorten Term
  • County Loan Limits Apply

Alabama Native American Refinance Home Mortgages

Capital Home Mortgage Alabama is proud to help Alabama Native Americans in converting their current Alabama mortgage program over to an Alabama Native American Refinance Home Mortgage. Contact our Alabama Native American Loan Officers to discuss how to do the conversion and much you can save on your monthly payment.  

  • Rate & Term 97.75%
  • Appraisal Required
  • Income Required
  • Closing Costs Can Be Rolled Into Loan
  • Must Provide Benefit
  • No Mortgage Lates in Last Year
  • Lower Payment, Shorten Term
  • County Loan Limits Apply

Alabama Native American Cash Out Home Mortgages

Capital Home Mortgage Alabama is proud to assist Alabama Native Americans in using their Alabama Native American Cash Out Home Mortgage Benefit. Contact our Alabama Native American Loan Officers to discuss how to do maximize the equity in your home by converting you mortgage into an Alabama Native American Cash Out Home Mortgage.

  • Existing Homes Equity
  • No Monthly Mortgage Insurance Required
  • Simple Qualifying / Manual Underwriting
  • Alternate Credit Allowed
  • Max LTV for Cash Out is 85%
  • Appraisal Required
  • Max Debt Ratio is 43%
  • County Loan Limits Apply

Alabama Native American Renovation Home Mortgages

Capital Home Mortgage Alabama is proud to help Alabama Native Americans in renovating their home with an Alabama Native American Renovation Home Mortgage program. Whether making minor changes or a full makeover contact our Alabama Native American Loan Officers to discuss how to do the make your current Alabama house into the dream home.

  • Subject to Completion Appraisal
  • No Monthly Mortgage Insurance Required
  • Simple Qualifying / Manual Underwriting
  • Tribal Grants Allowed
  • Seller Paid Closing Costs Allowed
  • Small Down Payment of 2.25%
  • Max Debt Ratio is 43%
  • County Loan Limits Apply

Alabama Native American Construction Home Mortgages

Capital Home Mortgage Alabama is proud to help Alabama Native Americans achieve the reality of building their dream home with an Alabama Native American Construction Home Mortgage.  Contact our Alabama Native American Loan Officers and they will walk you through the process from application, planning underwriting closing and funding.

  • Subject to Completion Appraisal
  • No Monthly Mortgage Insurance Required
  • Simple Qualifying / Manual Underwriting
  • Tribal Grants Allowed
  • Seller Paid Closing Costs Allowed
  • Small Down Payment of 2.25%
  • Max Debt Ratio is 43%
  • County Loan Limits Apply
Va Home Mortgage Lender

Borrowers wishing to use a Section 184 Indian Home Loan Guarantee Program loan must be a currently enrolled member of a Federally Recognized Tribe or Alaska Native. 

For Native Hawaiians, participation is through Section 184A: Native Hawaiian Housing Loan Guarantee Program. 

Conor Hayhurst

Conor Hayhurst

Manager / Sr Loan Officer
NMLS #743506

Dale Gremillion

Sr Loan Officer
NMLS #210325
Amanda Ravello

Amanda Ravello

Sr Loan Officer
NMLS #1702894
Shawna Johhnson

Shawna Johnson

Loan Officer Assistant
NMLS #1631859

Capital Home Mortgage Reviews

Native American State Mortgage Information