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Native American Direct Loan (NADL)

US Department of Veterans Affairs

VA provides direct home loans to eligible Native American Veterans to finance the purchase, construction, or improvement of homes on Federal Trust Land, or to refinance a prior NADL to reduce the interest rate.

Eligible Applicants:

About the Award:

Native American Veterans and their spouses may be eligible to receive a guaranteed loan to purchase, construct, or improve a home on Federally-recognized trust, allotted lands, Alaska Native corporations, and Pacific Island territories. The NADL Program offers no downpayment, a 3.75% interest rate, and no private mortgage insurance cost. Eligible applicants must have a valid Certificate of Eligibility and be a satisfactory credit risk. The tribal government of your member tribe must have a signed Memorandum of Understanding (MOU) with the Secretary of Veteran Affairs, which spells out the conditions under which the program will operate on its trust lands. Follow this link to see if your tribe has a MOU with the Department of Veterans Affairs. Native American Veterans must pay a low funding fee of 1.25% to obtain VA's direct loan to purchase a home.

Example Eligible IAQ Activities:

Construction, Repairs, Weatherization

Funding Details:

  • No downpayment
  • 3.75% interest rate. Interest rates are subject to change due to market fluctuations.
  • Maximum loan limits vary based on location.
  • Fixed-rate 30-year mortgage
Award Type:

Typical Application Period: Rolling


Regional Loan Center of Jurisdiction - 1-877-827-3702

last modified: 2019-09-26 09:17:10