Decision guideNative American & Alaska Native 3 min

Section 184 or FHA: which home loan should I look at first?

The Section 184 Indian Home Loan Guarantee is a HUD program for enrolled members of federally recognized tribes and Alaska Natives. It works on trust land, where ordinary mortgages usually don't, and on regular fee land in approved areas. Three questions show where to start. Fees, limits and eligible areas are set by HUD and change, so confirm with a Section 184 lender.

Question 1 of about 3

Are you an enrolled member of a federally recognized tribe, or an Alaska Native?

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Educational only — not legal, tax, or financial advice. Typical ranges are shown; your contract, lender, and state law set the exact rules. MoneyFAQ is not a lender.