Kansas Native American Home Mortgage

Proudly Serving Kansas Native Americans

Kansas Native American Mortgage Lender

Are you wondering about an Kansas Native American Home Mortgages or Kansas Native American Mortgage Rates? And if you should use your Kansas Native American Home Loan Benefit?  Capital Home Mortgage Kansas can help you understand the advantages of your Kansas Native American Home Loan and if it is the right time to use the benefit for the current Kansas mortgage purchase, refinance, renovation or construction. Capital Home Mortgage Kansas is a direct Kansas Native American Mortgage Lender, which means we have direct authority to underwrite, approve, and fund your Kansas Native American Home Loan.  This control of the lending process and loan approval allows for streamline operations resulting in a quick and stress-free experience.

Ready to get started?  Call now and one of our Kansas Native American Mortgage Professionals will answer your questions and walk you through the application, pre-qualification and approval process.  Call today (800) 699-4943 to speak to an Kansas Loan Officer.

Thank you again for allowing us the opportunity to provide your Kansas Native American Home Loan.



Kansas Native Americans Overview

Kansas is home to several Native American tribes, each with its own unique history, culture, and contributions to the state. Some of the prominent Native American tribes historically associated with Kansas include:

Cherokee: While primarily associated with the southeastern United States, including areas of present-day Kansas, the Cherokee Nation has a complex history of interactions with European settlers and the United States government. The Trail of Tears, a tragic event in American history, saw the forced removal of thousands of Cherokee and other Native Americans from their ancestral lands to Indian Territory (present-day Oklahoma).

Choctaw: The Choctaw Nation, historically one of the major Native American tribes in the southeastern United States, inhabited parts of Kansas, Mississippi, Louisiana, and Florida. They were one of the tribes forcibly relocated along the Trail of Tears.

Creek (Muscogee): The Creek Nation, also known as the Muscogee (or Muscogee Creek) Nation, is made up of several related groups of indigenous peoples who originally lived in the southeastern United States. The Creek Confederacy once occupied large portions of present-day Kansas, Georgia, and Florida.

Chickasaw: The Chickasaw Nation, closely related to the Choctaw, inhabited parts of present-day Kansas, Mississippi, Tennessee, and Kentucky. Like the Choctaw, they were also forcibly removed from their ancestral lands during the Trail of Tears.

Yuchi: The Yuchi people, often considered one of the original indigenous tribes of the southeastern United States, have historical ties to Kansas, among other states. They have a distinct language and cultural heritage.

Koasati: The Koasati people are part of the larger Muscogee (Creek) Nation and have historical connections to Kansas, particularly in the southern region near the Gulf Coast.

These tribes, among others, have rich histories in Kansas, and their descendants continue to contribute to the cultural tapestry of the state. However, it’s essential to recognize that the history of Native American tribes in Kansas, like much of the United States, involves periods of forced relocation, conflict, and displacement due to colonial expansion and government policies.

HUD 184 Mortgage Program Background and Purpose

The Section 184 Indian Home Loan Guarantee Program was created by the Housing and Community Development Act of 1992 to address the lack of mortgage lending in Indian Country. Native American homeownership has historically been an underserved market. Land held in trust for a tribe cannot be mortgaged, and land held in trust for an individual must receive approval from the Bureau of Indian Affairs (BIA), before a lien is placed on the property. Without the ability to mortgage and foreclose on a home or place a lien on individual trust property, lenders have found it difficult to make home loans to individual Native Americans.

Working with an expanding network of private sector and tribal partners, the Section 184 Indian Home Loan Guarantee Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Indian Home Loan Guarantee Program. The program has grown to include eligible areas, determined by participating tribes, across the country. The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities.

Why Kansas 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

Kansas 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

Kansas 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.

Kansas Native American Home Loan Programs

Kansas HUD 184 Home Mortgage Loan

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

Here are some important details you need to know before applying for the Kansas 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

Kansas Native American Purchase Home Mortgages

Capital Home Mortgage Kansas is proud to help Kansas Native Americans in obtaining the dream of home ownership.  The benefits of an Kansas Native American Purchase Home Mortgage are many.  Too find out about all of the benefits available contact one of our Kansas 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

Kansas Native American Streamline Refinance Home Mortgages

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

Kansas Native American Refinance Home Mortgages

Capital Home Mortgage Kansas is proud to help Kansas Native Americans in converting their current Kansas mortgage program over to an Kansas Native American Refinance Home Mortgage. Contact our Kansas 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

Kansas Native American Cash Out Home Mortgages

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

Kansas Native American Renovation Home Mortgages

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

  • 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

Kansas Native American Construction Home Mortgages

Capital Home Mortgage Kansas is proud to help Kansas Native Americans achieve the reality of building their dream home with an Kansas Native American Construction Home Mortgage.  Contact our Kansas 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

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Native American State Mortgage Information