We’re with you every step of the way.

For many Native Americans, the biggest obstacle to obtaining a home loan is lack of knowledge about the mortgage loan process. And when you ask for help, most banks and mortgage lenders won’t give you the time of day.

At Bank2 our Native American loan specialists will gladly educate you about the entire loan process from A to Z. We’ll help you understand what programs you are eligible for, how to qualify for a loan, what documents are required, and anything else you need to know in regards to the mortgage loan process.

We’ll guide you to programs that offer down payment assistance. If you have bad credit, we’ll show you how to improve it. We’ll also work with your tribal agency, the Bureau of Indian Affairs, or any other agency that may be involved in your loan application process.

People you can trust.

At Bank2, we’re small enough to deliver the personal touch, but big enough to ensure that you get all the financial assistance you’re entitled to.

Our experienced loan officers --- many of whom are Native Americans -- have years of experience helping Native Americans like you obtain mortgage loans, even when they thought they couldn’t. They understand the many challenges you face as a Native American, and are happy to provide advice, counsel and support as you move through each phase of the mortgage loan process.

If you’re tired of dealing with large institutions where you get lost in the crowd, come to Bank2, where you get treated with the respect you deserve.

A loan program for Native Americans.

In 1992, Congress established the Section 184 Indian Housing Loan Guarantee Program. Commonly referred to as the HUD 184 Program, it offers home ownership and housing rehabilitation opportunities for eligible Native American individuals, families and tribes.

Primarily geared to first-time homebuyers and low- to moderate-income families, the HUD 184 Program has several features that make it easier for Native Americans to obtain home loans. These include:

• Very low down payments and closing costs
• No private mortgage insurance
• Competitive interest rates
• Ability to finance homes on fee simple land or tribal-trust land
• No maximum income limits
• Flexible underwriting

If you’ve been turned down by other lenders or mortgage programs, the HUD 184 may be the answer for you.

Flexible underwriting makes it easier to qualify.

When you apply for a conventional loan through a bank or mortgage lender, the parameters are set by an automated, software-driven underwriting mechanism. If you don’t fit into the pre-determined “box,” you don’t qualify for the loan.

The HUD 184 program has certain basic criteria that must be met in order to qualify for a loan. But the program also makes very generous allowances for lack of credit history, past credit problems, or other circumstances that don’t fit normal lending parameters.

More important, each loan application is considered on a case-by-case basis, and is personally underwritten by a HUD representative. This allows many Native Americans who would not qualify for conventional loans to obtain a HUD 184 loan.

With Bank2, you’re not just another number.

At Bank2, your HUD 184 loan application is not decided by a computer or some faceless bureaucrat halfway across the country.

Instead, you will have a one-on-one relationship with our Native American loan specialists who will actually listen and take the time to understand how you plan on accomplishing your financial goals. So even if you have bad credit or no credit history at all, you may still qualify for a HUD 184 loan.

If you’re tired of being treated like a number, give Bank2 a call. Our experienced loan specialists will answer all your questions about the HUD 184 program and show how you can qualify for your own Native American home loan.

To get started on your HUD 184 loan application, click here.