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We make homeownership more accessible to Native American communities, building lasting partnerships that serve the affordable housing needs of tribal families and communities.
Contact Kellie Coffey to learn how your tribe can benefit from Fannie Mae's mortgage products: Native_American@fanniemae
.com or (301) 418-7643.
With the Initiative for Native American Homeownership, were able to offer a new option for tribes and lenders—the opportunity to use conventional mortgages on tribal lands.
Download the brochure
HUD-184 Guaranteed loans offer Native Americans low down payments and other flexibilities. Fannie Mae purchases HUD-184 loans from lenders, and you can learn more about them here.
On December 7, Fannie Mae implemented policy changes expanding homeownership education loan requirements. To receive the $75 Framework course fee waiver, borrowers must register through the new course link https://educate.frameworkhomeownership.org or https://homeready.frameworkhomeownership.org. Borrowers registering via other URLs may be charged the non-refundable $75 fee. For more information about these and other homeownership education changes, click here.
Fannie Mae works with lenders, Native American Community Development Finance Institutions (CDFIs), tribal governments and their Tribally Designated Housing Entities (TDHE), government entities, and Native American Housing Coalitions to increase mortgage financing opportunities for Native American Communities both on and off tribal trust and restricted lands.
Whether you’re using a HUD-184 or non-government loan products for tribal trust lands, Fannie Mae has you covered. Our suite of options provides Native American lenders, tribes and homeowners options to find the loan that’s right for them.
These tribes have signed a memorandum of understanding with Fannie Mae to make our mortgage products available on their lands.
Bay Mill Indian Community – Michigan
Sault St. Marie Tribe – Michigan
Pueblo of Acoma – New Mexico
Pueblo of Santa Ana – New Mexico
HomeReady can help meet the needs of your community’s low- to moderate-income borrowers. Down payments as low as 3%, flexible sources of funds for down payment, and taking supplemental boarder income into consideration make this an appealing, affordable option. Learn more about HomeReady mortgages.
In addition to housing counseling and other services, housing finance agencies (HFAs) can also provide down payment and closing cost assistance. Learn more about HFAs and our HFA Preferred mortgage to help your borrowers gain access to these resources.
Loans for Manufactured Housing
Lack of inventory can be challenging for many borrowers looking to buy a home on tribal lands. Fannie Mae offers several financing options for manufactured housing (MH) titled as real estate to suit a variety of homebuyers. We offer financing for traditional MH, as well as MH Advantage™, which provides affordable home loans for manufactured housing that more closely resembles site-built homes. Learn more
Mortgages for Renovation and Repair
Older homes may be in need of renovations and repairs before they’re move-in ready. HomeStyle Renovation can help finance needed upgrades as part of the purchase mortgage. Get more information about HomeStyle Renovation.
|Form 4801||Residential Lease of Tribal-Owned Land Form|
|Form 4802||Addendum To Fixed-Rate Note|
|Form 4803||Memorandum of Understanding|
|Form 4804||Native American Housing Security Instrument Rider For Allotments|
|Form 4805||Native American Housing Security Instrument Rider For Leaseholds|
|Form 4806||Fannie Mae's Sample Tribal Ordinance for Mortgage Lending Procedures|
|Form 4807||Native American Housing Security Instrument Rider For Assignments|