Welfare Info

Direct Home Loans for Native Americans

Veterans Benefits Administration (VBA)

What is Direct Home Loans for Native Americans ?

The Native American Direct Loan (NADL) program makes home loans available to eligible Native American Veterans who wish to purchase, construct, or improve a home on Federal Trust land or to reduce the interest rate.

Veterans who are not Native American, but who are married to a Native American non-Veteran, may be eligible for a direct loan under this program.


Direct Home Loans for Native Americans is administered by Veterans Benefits Administration (VBA).

Program Requirements

To obtain a NADL, the law requires that applicants meet all of the following:

  • The applicant must be an eligible Veteran.
  • The tribal organization or other appropriate Native American group must be participating in the VA direct loan program. The tribal organization must have signed a Memorandum of Understanding with the Secretary of Veterans Affairs, that spells out the conditions under which the program will operate on its trust lands.
  • Apply for a Certificate of Eligibility.
  • The loan must be to purchase, construct, or improve a home on Native American trust land.
  • The Veteran must occupy the property as his or her residence.
  • The Veteran must be a satisfactory credit risk.

Commissioned Officers of the Public Health Service and National Oceanic and Atmospheric Administration are considered to be active duty members and Veterans, once discharged.

Length-of-service requirements apply, in most cases.

All prospective applicants are encouraged to first contact their local housing authority and VA to discuss their financial situation and obtain a general idea of whether or not they might qualify for a home loan.

For more information please visit the NADL program website.

Application Details

What is the application process for Direct Home Loans for Native Americans ?

For more information, see the Program Contact Information below.

Contact Info



How to Apply

Native American Direct Loan Program

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