Native American Homeownership
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
LLPA Waiver Eligibility
Loans financing the purchase of homes supporting Native American homeownership may be eligible for LLPA waivers under Duty to Serve. Learn more.
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
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.
Related Forms
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Addendum to Fixed-Rate Note (Form 4802)
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Fannie Mae Rider to Residential Lease of Tribal Owned Land (Form 4803-2)
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Rider to Security Instruments for Leaseholds (Form 4805)
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Fannie Mae's Sample Tribal Ordinance for Mortgage Lending Procedures (Form 4806)
