Native American Direct Loan Program

You’ve earned an opportunity for homeownership through your military service.

The Native American Direct Loan (NADL) program offers VA-direct loans to help Native American Veterans buy, build, or improve a home on Federal trust land.

What are the benefits of NADL?

• Low fixed interest rate
• No down payment
• No private mortgage insurance
• Limited closing costs
• Reusable benefit
• Ability to refinance NADL loans

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Who is eligible?

If you are a Native American Veteran enrolled as a member of a Federally recognized tribe, you and your spouse are eligible for a NADL if you meet all of the following requirements:

• Your Tribal Government has a Memorandum of Understanding (MOU) with VA regarding NADL. Go to https://www.benefits.va.gov/homeloans/nadl_mou.asp to find a complete list of Tribes with MOUs.
• You have a valid VA home loan Certificate of Eligibility (COE). ‍
• You can provide proof that your income will cover the mortgage payments and costs of owning a home.
• You meet VA’s flexible credit standards.
• The home you are seeking to buy, build, or repair using NADL loan funds will be your residence.

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For more information, visit the NADL homepage at www.benefits.va.gov/homeloans/nadl.asp or call 888-349-7541 and request to speak to a NADL team member.