HUD Section 184 Indian Home Loan Guarantee Program

HUD Section 184 Indian Home Loan Guarantee Program是面向Montana购房者的第一抵押贷款，由U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee管理。 The HUD Section 184 Indian Home Loan Guarantee Program is a federal first mortgage product for American Indian and Alaska Native families, villages, tribes, and TDHEs. It provides a 100% loan guarantee to approved lenders, enabling flexible underwriting, low down payments (2.25% over $50,000; 1.25% for $50,000 or less), and a 1% upfront guarantee fee (financeable). No annual MIP since July 1, 2023. Usable on or off native lands for purchase, construction, rehabilitation, or refinance. All Montana counties and tribes participate. 100% loan guarantee. Low down payment (as little as 1.25%). No annual mortgage insurance premium. Flexible underwriting. Usable on tribal trust land AND off-reservation. All Montana counties eligible. 资金来自Federal loan guarantee (100% guarantee to lender); HUD Office of Native American Programs。

HUD Section 184 Indian Home Loan Guarantee Program提供最高$524,225的援助。 购房者自付部分：Minimum down payment: 2.25% for loans over $50,000; 1.25% for loans $50,000 or less。 该项目可与FHLB Des Moines NAHI; Blackfeet Housing Home Ownership Program; Apsaalooke Nation Housing Authority DPA; tribal IHBG assistance结合使用。 金额是该项目公布的上限，并非报价——具体每人的援助金额由U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee决定。

HUD Section 184 Indian Home Loan Guarantee Program是第一抵押贷款，按U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee设定的条款偿还。 该援助以First顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

HUD Section 184 Indian Home Loan Guarantee Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Flexible underwriting; no fixed minimum credit score — lender applies manual underwriting。 居住要求：Must purchase in an area where the borrower's tribe participates in Section 184; all Montana counties eligible。 公民身份或移民身份：Must be enrolled member of a federally recognized tribe; American Indians or Alaska Natives; tribes or TDHEs also eligible。 Must use a HUD-approved Section 184 participating lender. On tribal trust land, borrower must obtain a 50-year lease (leasehold mortgage). 1% upfront guarantee fee (may be financed). Max lot size 40 acres in Montana.

HUD Section 184 Indian Home Loan Guarantee Program将房价上限设为$524,225。 符合条件的房屋类型包括Single Family、Condo、Manufactured和Other。 新建房屋符合条件。 预制房屋符合条件。

HUD Section 184 Indian Home Loan Guarantee Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和美洲印第安人和阿拉斯加原住民购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

HUD Section 184 Indian Home Loan Guarantee Program服务于在Montana任何地方购房的购房者。

HUD Section 184 Indian Home Loan Guarantee Program的申请通过U.S. Department of Housing and Urban Development — Office of Native American Programs, Office of Loan Guarantee办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。