Government Loans

Direct Home Loans for Native Americans

Veterans > Direct Home Loans for Native Americans


Program Description:

The Native American Direct Loan (NADL) program makes home loans available to eligible Native American Veterans who wish to purchase, construct, or improve a home on Federal Trust land or to reduce the interest rate.

Veterans who are not Native American, but who are married to a Native American non-Veteran, may be eligible for a direct loan under this program.


General Program Requirements:

To obtain a NADL, the law requires that:
1. The applicant must be an eligible Veteran.
2. The tribal organization or other appropriate Native American group must be participating in the VA direct loan program. The tribal organization must have signed a Memorandum of Understanding with the Secretary of Veterans Affairs, which spells out the conditions under which the program will operate on its trust lands.
3. Apply for a Certificate of Eligibility.
4. The loan must be to purchase, construct, or improve a home on Native American trust land.
5. The Veteran must occupy the property as his or her home; a loan for rental or investment purposes is not permitted.
6. The Veteran must be a satisfactory credit risk.

Commissioned Officers of the Public Health Service and National Oceanic and Atmospheric Administration are considered to be active duty members and Veterans, once discharged.

Length-of-service requirements apply, in most cases.

All prospective applicants are encouraged to first contact their local housing authority and VA to discuss their financial situation and obtain a general idea of whether or not they might qualify for a home loan.

For more information about the NADL program visit:





Loan Terms:

For more information, see the Program Contact Information below.


Application Process:

For more information, see the Program Contact Information below.


Program Contact Information:

If you have questions, please visit (to search Frequently Asked Questions):

Please contact a Regional Loan Center if you have detailed questions:

eBenefits is a one-stop source for information on Department of Defense and Department of Veterans Affairs benefits and services. With a free Premium level eBenefits account, Veterans and Servicemembers can conduct self-service transactions such as checking claim status information, GI Bill enrollment, and obtaining copies of civil service preference letters, DD214, and other personal information. For further information and to register for a free Premium level account, visit:


Managing Agency:

Department of Veterans Affairs


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