Hopi Credit Association Home Construction Loan

What is Hopi Credit Association Home Construction Loan?

Hopi Credit Association Home Construction Loan is a first mortgage for homebuyers in Keams Canyon, Arizona, administered by Hopi Credit Association (HCA).

• The Hopi Credit Association, a Native CDFI, provides home construction loans up to $125,000 for enrolled Hopi Tribe members building homes within the Hopi Reservation. The program offers fixed rates of 7.25%-9.0% based on credit history and terms up to 25 years, and serves higher-risk borrowers who may not qualify for conventional bank financing. Mandatory homebuyer education through HCA is required before closing.
• Tribal CDFI lending for higher-risk borrowers.
• Fixed rate 7.25-9.0%.
• Up to $125,000.
• Up to 25-year term.
• Only on-reservation financial institution for Hopi members.
• Homebuyer education included.
• Funding comes from Native CDFI (Hopi Credit Association).

How much assistance does it provide?

Hopi Credit Association Home Construction Loan offers up to $125,000 in assistance.

• Amounts are the program's published maximums, not an offer — Hopi Credit Association (HCA) determines any individual award.

Do you have to pay it back?

Hopi Credit Association Home Construction Loan is a first mortgage and is repaid under the terms set by Hopi Credit Association (HCA).

• The assistance is recorded in First position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Hopi Credit Association Home Construction Loan is open to buyers who will live in the home as their primary residence.

What are the income limits?

Hopi Credit Association Home Construction Loan sets its income limit as follows: Verifiable income required (employment, self-employment, retirement); minimum 2 years income history.

• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Hopi Credit Association Home Construction Loan can be used for Single Family.

• New construction is eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

Hopi Credit Association Home Construction Loan names American Indian and Alaska Native buyers among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Hopi Credit Association Home Construction Loan serves buyers purchasing in Keams Canyon, Arizona.

• The program targets specific areas: Hopi Indian Reservation, Navajo County, AZ (Keams Canyon area).

How do you apply?

Applications for Hopi Credit Association Home Construction Loan go through Hopi Credit Association (HCA), which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Hopi Credit Association homebuyer education course.

2. 2

   Contact Hopi Credit Association (HCA) to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.