Expanding affordable homeownership opportunities on tribal lands

In honor of Native American Heritage Month, USDA is proud to highlight two important initiatives announced on July 26, 2023, that expand affordable homeownership opportunities on tribal lands.

The Mohegan Tribe Community Center and Government Building in Uncasville, Connecticut

Throughout our outreach and roundtable discussions, Native American stakeholders identified significant barriers regarding mortgage lending on tribal land.

The two biggest obstacles that were a pattern among many of the tribes are 1) the ability to obtain an accurate appraisal that offers a true fair market value and 2) the ability for current homeowners to secure funding for their properties that need repair and renovations.

USDA is excited to offer these important pilots to our lending partners to assist all Native Americans who live or wish to live on federally recognized tribal land achieve their dream of homeownership.

Tribal Property Valuation Pilot Program
Tribal Rehabilitation Pilot Program provides approved lenders the opportunity to obtain desktop appraisals for mortgage transactions on tribal land. This program helps decrease the cost and eliminate potential inaccuracies of appraisal reports completed on properties located on tribal land.

The Tribal Rehabilitation Pilot Program helps families remain in safe and improved housing on tribal lands and improves their quality of life by providing financing opportunities for repairs on homes already owned without encumbrances.

Additional information on both pilot programs can be found in the Federal Register Notice.

Questions regarding program policy and this announcement may be directed to sfhgld.program@usda.gov or (833) 314-0168.