Connecticut Native American Home Mortgage

Proudly Serving Connecticut Native Americans

Connecticut Native American Mortgage Lender

If you’re considering a Connecticut Native American Home Mortgage or exploring the best mortgage rates available, Capital Home Mortgage Connecticut is here to support you. Leveraging your Native American Home Loan benefit can be a powerful tool for homeownership, whether you’re purchasing, refinancing, renovating, or building a new home. Understanding these benefits and when to use them can significantly impact your financial future.

As a direct Connecticut Native American Mortgage Lender, we manage the entire lending process—from underwriting to approval and funding—right in-house. This level of control allows us to move quickly and efficiently, reducing delays and offering you a smooth, stress-free experience. With our streamlined process, you can expect quick approvals and a simplified journey toward homeownership.

Our team of Connecticut Native American Mortgage Professionals is committed to guiding you through each step of the process, ensuring that your needs are met with precision and care. From your initial application through pre-qualification and final approval, we’re here to provide expert assistance tailored to your unique situation.

Reach out today at (800) 699-4943 to connect with one of our Connecticut Loan Officers. We’re ready to assist you in navigating the home loan process and ensure that your Connecticut Native American Home Loan is structured to your advantage.

At Capital Home Mortgage Connecticut, we value the opportunity to help you maximize your home loan benefits and look forward to being a part of your journey to homeownership.

Connecticut Native Americans Overview

Connecticut has a rich and complex history with Native American tribes that have lived in the region for thousands of years, long before the arrival of European settlers. These tribes played a vital role in developing the state and historical fabric, and many remain present today. Here are the primary Native American tribes of Connecticut, each with a distinct history and enduring legacy:

  •  Mashantucket Pequot Tribe: The Mashantucket Pequot Tribe, one of the most well-known tribes in Connecticut, has a long history that traces back centuries. They have faced significant challenges throughout their history, including wars, displacement, and attempts to diminish their cultural presence. However, the tribe has managed not only to survive but also to thrive in modern times. The Mashantucket Pequots are most widely recognized for their successful economic ventures, particularly the development of the Foxwoods Resort Casino, one of the largest casinos in the world. The tribe has also invested heavily in cultural preservation, establishing the Mashantucket Pequot Museum and Research Center, which offers an extensive view of Native American life in the region, past and present.
  • Mohegan Tribe: Another prominent tribe in Connecticut, the Mohegan Tribe, shares a deep history with the region. Once allied with the English during colonial times, the Mohegan Tribe has long been influential in shaping New England’s social and political landscape. Today, they are best known for operating the Mohegan Sun casino, a major resort and entertainment destination. The Mohegans have successfully balanced economic development with cultural preservation, maintaining traditional practices, language revitalization, and tribal governance emphasizing self-sufficiency. The tribe is deeply committed to its heritage, exemplified by the Mohegan Cultural Preservation Department, which seeks to protect and promote its stories and history.
  • Schaghticoke Tribal Nation: The Schaghticoke Tribal Nation is another of ConnectiConnecticut’sly recognized tribes, residing primarily in the northwest part of the state. The Schaghticokes have inhabited the area for hundreds of years, traditionally living along the Housatonic River. Despite numerous challenges, including battles over land and federal recognition, the tribe has managed to preserve its cultural identity. The Schaghticoke Reservation, established in 1736, is one of the oldest continuously inhabited reservations in the United States. The tribe is marked by resilience, and today, they continue to engage in efforts to reclaim their land and protect their rights.
  • Eastern Pequot Tribal Nation: Historically linked with the Mashantucket Pequots, the Eastern Pequot Tribal Nation has its own distinct identity and heritage. They reside in southeastern Connecticut, primarily on the Lantern Hill Reservation. The Eastern Pequots have a long history of perseverance through conflict and colonization. Like other tribes in the region, they have faced struggles over land, recognition, and preservation of their culture. The tribe continues to work on protecting their ancestral lands and maintaining their cultural traditions for future generations.
  • Golden Hill Paugussett Tribe: The Golden Hill Paugussett Tribe is based in southwestern Connecticut, with a reservation in Trumbull and another in Colchester. Although one of the smaller tribes in terms of population, the Golden Hill Paugussetts nonetheless have a deep and significant history in the state. They were one of the first Native American groups to petition for land rights and have been involved in legal battles concerning their recognition and sovereignty. The tribe takes pride in its cultural heritage, preserving traditional practices while seeking economic opportunities for its members.

Cultural and Economic Contributions

Beyond their individual histories, these tribes have contributed considerably to Connecticut’s culture. The casinos operated by the Mashantucket Pequot and Mohegan tribes have become major employers in the region, drawing millions of visitors each year and contributing significantly to state revenues. Additionally, these tribes have invested in education, healthcare, and housing for their members while supporting the broader local community.

Culturally, the tribes continue celebrating and preserving their heritage through events, museums, and educational initiatives. Annual powwows, cultural festivals, and tribal celebrations allow the public to engage with Native American traditions, arts, and customs. These efforts preserve their rich heritage and educate others about the history and ongoing presence of Native American communities in Connecticut.

In recent years, there has been a resurgence of interest in Native American history, rights, and culture within the state. Tribal nations are working toward gaining further recognition and land restoration while actively participating in political and social issues affecting Native Americans nationwide.

The Native American tribes of Connecticut represent a significant part of the state’s historical and cultural identity. Through their resilience, cultural preservation efforts, and contributions to the economy, these tribes continue to shape ConnectiConnecticut’swhile honoring their profound heritage.

HUD 184 Mortgage Program Background and Purpose

The HUD 184 Home Loan Program, formally known as the Section 184 Indian Home Loan Guarantee Program, was established by the U.S. Department of Housing and Urban Development in 1992. Its primary goal is to address the unique challenges Native American individuals and communities face when seeking home financing, particularly on or near tribal lands. These challenges stem from the complexities of land held in trust by the federal government, which often made it difficult for Native Americans to use their land as collateral for traditional home loans. By providing a loan guarantee, the program reduces the risk to lenders and opens up more opportunities for Native American borrowers to secure financing.

In Connecticut, the HUD 184 program helps Native Americans, including members of tribes such as the Mashantucket Pequot, Mohegan, Schaghticoke, Eastern Pequot, and Golden Hill Paugussett, access affordable mortgage options. The program supports home purchases, refinancing, renovations, and new home construction, offering flexible underwriting, low down payment requirements, and competitive interest rates. These benefits make it easier for Native American individuals and families in Connecticut to achieve homeownership and enjoy the financial stability it brings.

One of the program’s key advantages is its ability to expand access to credit for Native Americans who may have difficulty qualifying for conventional loans. By guaranteeing a portion of the loan, HUD encourages lenders to offer mortgages with more favorable terms. The program’s flexibility also allows borrowers to use the funds for various housing needs, whether purchasing an existing home, building a new one, or refinancing an existing mortgage.

The HUD 184 program is critical in promoting homeownership and economic development within Native American communities in Connecticut. By providing affordable, accessible mortgage solutions, it supports tribal housing initiatives and helps Native Americans build wealth through homeownership. This program benefits individual borrowers and contributes to the long-term growth and financial stability of Native American communities across the state.

Why Connecticut 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

Connecticut 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

Connecticut Native American HUD 184 Home Loan Program

Connecticut Native American Home Loan Programs

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.

Connecticut HUD 184 Home Mortgage Loan

If you’re considering a Connecticut Native American Home Mortgage or exploring current mortgage rates, Capital Home Mortgage Connecticut is here to provide support. Whether you’re interested in determining how much you qualify for with a Native American purchase mortgage, planning a refinance, or seeking details on a Native American streamline refinance or cash-out mortgage, we have the knowledge and expertise to guide you through the process.

For those looking to renovate or build with a Native American renovation or construction mortgage, our team is ready to assist. As a direct Native American mortgage lender, Capital Home Mortgage Connecticut understands the specific requirements for each type of Native American home loan, ensuring you receive the tailored guidance and solutions you need.

You need to know some essential details before applying for the Connecticut 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

Capital Home Mortgage Connecticut is committed to helping Native Americans achieve the dream of homeownership. With numerous benefits available through a Connecticut Native American Purchase Home Mortgage, our team is here to guide you through every step. To learn more about the full range of advantages and begin the loan approval process, connect with one of our experienced Connecticut Native American Loan Officers today.

  • 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

Capital Home Mortgage Connecticut is dedicated to helping Native Americans lower their mortgage payments with a Connecticut Native American Streamline Refinance Home Mortgage. Our experienced Connecticut Native American Loan Officers are ready to guide you through reducing your mortgage rate and easing your financial burden. Reach out to our team to get started today.

  • 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

Capital Home Mortgage Connecticut is committed to assisting Native Americans in transitioning their current mortgage to a Connecticut Native American Refinance Home Mortgage. Our knowledgeable Connecticut Native American Loan Officers are available to guide you through the conversion process and help you explore how much you can save on your monthly payments. Reach out to our team for expert assistance.

  • 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

Capital Home Mortgage Connecticut is dedicated to helping Native Americans make the most of their Connecticut Native American Cash Out Home Mortgage benefit. Our experienced Connecticut Native American Loan Officers are ready to assist you in maximizing your home’s equity by converting your current mortgage into a Connecticut Native American Cash Out Home Mortgage. Contact us today to explore how we can help you achieve your financial goals.

  • 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

Capital Home Mortgage Connecticut is here to help Native Americans transform their homes with the Connecticut Native American Renovation Home Mortgage program. Whether you’re planning minor upgrades or a complete home makeover, our skilled Connecticut Native American Loan Officers are here to guide you through the process. Let us help you turn your current house into the dream home you’ve always envisioned. Reach out today to get started on your renovation journey.

  • Purchase / Refinance Options
  • Subject to Completion Appraisal
  • No Monthly Mortgage Insurance Required
  • Simple Qualifying / Manual Underwriting
  • Alternate Credit Allowed
  • 97.75%  Max LTV
  • Max Debt Ratio is 43%
  • County Loan Limits Apply

Capital Home Mortgage Connecticut is committed to helping Native Americans bring their dream home to life through the Connecticut Native American Construction Home Mortgage. Our experienced Connecticut Native American Loan Officers will guide you through every step of the process, from application and planning to underwriting, closing, and funding. Contact us today to begin your journey toward building the home you’ve always envisioned.

  • 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

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Native American State Mortgage Information