Originating & Underwriting

Native American Homeownership

Fannie Mae brings choice to tribal lands

Fannie Mae builds lasting partnerships that serve the affordable homeownership needs of Native American communities.

Whether using a HUD-184 or conventional loans, our offerings provide Native American lenders, tribes, and homeowners options to find the loan that’s right for them.

Our Tribal Partners

The following Native American tribes have signed a memorandum of understanding with Fannie Mae to make our mortgage products available on their lands.

  • Bay Mills Indian Community – Michigan
  • Sault Ste. Marie Tribe of Chippewa Indians – Michigan
  • Pueblo of Acoma – New Mexico
  • Pueblo of Jemez – New Mexico
  • Pueblo of San Ildefonso – New Mexico
  • Pueblo of Santa Ana – New Mexico

We are working to make homeownership more accessible to Native American communities.

Tribal Land Appraisal FAQ

See frequently asked questions about  appraising homes on tribal trust land in this FAQ.

Contact Us

Send us an email to learn how your tribe can benefit from Fannie Mae's mortgage products.

We purchase HUD-184 Mortgages

Unlike many other government mortgages, Fannie Mae purchases HUD-184 mortgages to better support Native American populations. These loans can be sold to Fannie Mae using the same processes you would use for any of our conventional products. Learn about HUD-184 loans and delivery here.

Related Forms

  • Addendum to Fixed-Rate Note (Form 4802

  • Memorandum of Understanding (Form 4803

  • Native American Housing Security Instrument Rider For Leaseholds (Form 4805

  • Fannie Mae's Sample Tribal Ordinance for Mortgage Lending Procedures (Form 4806)