Program Description

The Native American Direct Loan (NADL) program makes home loans available to Native American Veterans who qualify. You may use the loan for either of the following:

  • To buy, build, or improve a home on federal trust land.
  • To reduce the interest rate on an existing VA NADL.

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

Starting January 1, 2020, the $80,000 loan limit will be removed. Removing this loan limit offers greater access to these benefits.

Please visit Blue Water Navy Veterans and Your Home Loan Benefits for more information.

General Program Requirements

To get a NADL, the law requires the following:

  1. You must be an eligible Native American Veteran.
  2. The tribal organization or other proper Native American group must agree to participate in the NADL program. A signed Memorandum of Understanding (MOU) must also be in place with the Secretary of Veterans Affairs. The MOU must spell out the conditions on how the program will operate on its trust lands.
  3. You must have or apply for a Certificate of Eligibility (COE).
  4. You must use the loan to buy, build, or improve a home on Native American trust land.
  5. You must live in the home. You may not use the loan for rental or investment homes.
  6. You must be a suitable credit risk.

Commissioned Officers of the Public Health Service (PHS) and National Oceanic and Atmospheric Administration (NOAA) qualify as active duty members and Veterans once discharged.

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

We encourage you to contact VA. This way you can discuss your financial situation and get an idea of whether or not you may qualify for a home loan.

To learn more, visit the NADL page.

Application Process

See the contact information below for details.

Last Updated: 01/22/2020