HUD Section 184 Loans

Serving Native communities

Low down payment and competitive interest rates

HUD Section 184 loans are designed specifically for Native American and Alaska Native families and tribes. These loans offer low down payments and flexible underwriting.

You can use a HUD Section 184 loan on or off Native lands to buy or rehabilitate an existing home, build a new home, or refinance your mortgage. It’s restricted to single-family housing with 1-4 units and fixed-rate loans for 30 years or less.


Get preapproved

Find out how much you can borrow, and let sellers know you’re ready to buy.

Get Started


Choose your home

Make your wish list, choose a real estate agent, and find your dream home.


Make an offer

If your offer is accepted, you’ll need a home inspection and appraisal.


Close the sale

Once you sign the paperwork, you can get the keys and prepare to move in.

The following individuals and groups are eligible for HUD Section 184 loans:

  • American Indians or Alaska Natives who are enrolled members of a federally recognized tribe
  • Members of an Alaska Village and Regional Corporation established pursuant to the Alaska Native Claims Settlement Act
  • Indian tribes
  • Tribally Designated Housing Entities (TDHE)
  • Indian Housing Authorities (IHA)

If you’re not sure whether you’re eligible, one of our Mortgage Originators can help you.

Yes, you can refinance your mortgage with a HUD Section 184 loan. The process for refinancing is very similar to applying for a new mortgage. Submit an application to get started, and a Mortgage Originator will contact you to discuss your options.

With a HUD Section 184 loan from Alaska USA, you have a low down payment, and you don’t need to purchase private mortgage insurance. That’s because HUD guarantees the mortgage loan when it’s made to an eligible borrower.

If you want to buy a home within the next few months, then it’s a good idea to get preapproved. Preapproval shows the seller that you’re serious about buying and you have the funds you need to make a purchase. If you’re searching for a home in a competitive market, preapproval makes your offer more attractive to sellers and gives you a critical advantage over other potential buyers.

While many lenders cancel their preapprovals after 90 days, there’s no expiration date on ours. If any of the documents in your credit approval file are out of date, we’ll offer you the opportunity to update them so that you can keep your preapproval in place.

Your credit score affects the interest rate you qualify for when you apply for a mortgage. With a higher credit score, you can usually qualify for a lower interest rate, which lowers your monthly payment and reduces the overall cost of your loan.

However, because HUD Section 184 loans are guaranteed, you may still qualify, even if you don’t have a great credit score.

If you’re not sure what your credit score is, you can request a free copy of your credit score every 12 months from If your credit score isn’t as high as you’d like it to be, here are some tips for improving your credit.

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Learn more about our team

Our mortgage specialists are ready to help you one-on-one, every step of the way. We streamline the process to make it easier for you, and we’re always ready with advice and assistance.

Meet the team

Find a Mortgage Originator near you