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Duty to Serve

Supporting Native American homeownership

In 1996, Fannie Mae established the Native American Conventional Lending Initiative (NACLI), which, for the first time in history, made it possible for lenders to offer conventional loans on tribal lands. Since then, we have proudly continued our work to create more homeownership opportunities for this historically underserved population.

Today, Native American lending is a cornerstone of our Duty to Serve plan. With the support of HUD-184 mortgages, we uphold this effort by partnering with and creating new relationships with tribal nations, and by supporting homeownership education in Native communities.

Fannie Mae’s partnership with Oweesta

We’re proud to work with organizations like Oweesta to support financial education and propel homeownership among Native communities.


Throughout Oweesta’s 25-year history, Fannie Mae has always shown a great dedication to supporting Native communities.


How we’re making a difference

Collaborating to make homeownership attainable on tribal trust lands

Paul LeBlanc, of the Bay Mills Indian Community, had a child on the way and set out to make his long-term dream of homeownership a reality. Read how Central Savings Bank and Fannie Mae’s Native American Conventional Lending Initiative (NACLI) made it possible.

Read the case study 

Tribal Trust Lands