Native American Direct Loan Program

The Native American Veteran Direct Loan (NADL) Program provides eligible Native American Veterans and their spouses the opportunity to use their Veterans Affairs (VA) home loan guaranty benefit on Federal trust land.

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

Benefits of the NADL Program:

  • The lender is the Department of Veterans Affairs (VA)
  • No down payment is required
  • We make it easy to qualify
  • No Private Mortgage Insurance (PMI) cost
  • $424,100 loan maximum limit in most areas; some high-cost counties have higher loan limits

How to Use the NADL Program:

To obtain a NADL, the law requires that the tribal government must have signed a Memorandum of Understanding (MOU) with the Secretary of Veterans Affairs. The MOU spells out the conditions under which the program will operate on its trust lands.

See if your tribe has a MOU with the Department of Veterans Affairs ยป

Am I Eligible to Use the NADL Program?

Requirements include:

  • You must have a valid Certificate of Eligibility to be eligible for the VA home loan benefit and have available entitlement.
  • The loan must be to purchase, construct, or improve a home on Federally-recognized trust, allotted lands, Alaska Native corporations and Pacific Island territories.
  • You must occupy the property as your home.
  • You must be a satisfactory credit risk.

Call our Experienced Military Mortgage Counselors Today to Start Saving!

We can confirm your eligibility for the NADL Program, get your application started.

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1 (877) 784-1184

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