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 Mill Indian Community – Michigan
  • Sault Ste. Marie Tribe – Michigan
  • Pueblo of Acoma – 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.

Affordable mortgage solutions

HUD-184 Loans

Fannie Mae purchases HUD-184 Guaranteed loans which offer Native Americans low down payments and other flexibilities.

Learn More
HomeReady

The HomeReady® mortgage includes innovative income flexibilities that can help your customers qualify for an affordable mortgage with a down payment as low as 3%.

Learn More
HFA Preferred

HFA Preferred™ pairs features of HomeReady with the flexibilities from local housing finance agencies (HFAs) designed to serve more low- to moderate-income borrowers.

Learn More
Manufactured Housing Loans

See how our innovative offerings, including MH Advantage®, can support affordable alternatives to site-built homes.

Learn More
Renovation and Repair

Learn how HomeStyle® Renovation provides a convenient and flexible way for your customers to finance home improvements and repairs as part of the purchase or refinance mortgage.

Learn More

Initiative for Native American Homeownership

With the Initiative for Native American Homeownership, we’re able to offer a new option for tribes and lenders—the opportunity to use conventional mortgages on tribal lands.

Download Brochure
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)

Have questions?

Get answers to your policy and guide questions, straight from the source.

Get Started