UD OFFERED BYU.S. Department of Veterans Affairs

Financial Assistance Nationwide Federal

VA Native American Direct Loan (NADL)

Home loans for eligible Native American veterans (and non-Native veterans married to Native Americans) to purchase, build, improve, or refinance homes on Federal Trust Land. No down payment required in most cases, no private mortgage insurance, limited closing costs, 30-year fixed rate, conforming loan limits apply.

AvailableNationwide

Operated byFederal

Who qualifies

Any enrolled tribal citizen

Per va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan/: applicant must be a "Native American Veteran or a non–Native American Veteran married to a Native American," hold a valid VA Certificate of Eligibility (COE), meet credit standards, document sufficient income, occupy a residence on federal trust land, and the applicant's tribal government must have an active Memorandum of Understanding (MOU) with the VA. Verify MOU status at benefits.va.gov/homeloans/nadl_mou.asp.

How to apply

PhoneEmail

Obtain a VA Certificate of Eligibility, then contact a NADL coordinator at NADL@va.gov or (888) 349-7541 (TTY: 711). Verify your tribe has an active MOU at benefits.va.gov/homeloans/nadl_mou.asp before applying.

Where it's available

Available on Federal Trust Land nationwide where the tribe has an active MOU with VA. MOU list at benefits.va.gov/homeloans/nadl_mou.asp.

Nationwide

Get in touch

Phone(888) 349-7541 Websitewww.va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan EmailNADL@va.gov

OfficeNationwide

Last verified against the official source on 2026-05-10.

View program website

U.S. Department of Veterans Affairs · FINANCIAL ASSISTANCE

VA Native American Direct Loan (NADL)

Home loans for eligible Native American veterans (and non-Native veterans married to Native Americans) to purchase, build, improve, or refinance homes on Federal Trust Land. No down payment required in most cases, no private mortgage insurance, limited closing costs, 30-year fixed rate, conforming loan limits apply.

Who's eligible

Any Enrolled Tribal Member

Per va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan/: applicant must be a "Native American Veteran or a non–Native American Veteran married to a Native American," hold a valid VA Certificate of Eligibility (COE), meet credit standards, document sufficient income, occupy a residence on federal trust land, and the applicant's tribal government must have an active Memorandum of Understanding (MOU) with the VA. Verify MOU status at benefits.va.gov/homeloans/nadl_mou.asp.

Where it's offered

Nationwide

Available on Federal Trust Land nationwide where the tribe has an active MOU with VA. MOU list at benefits.va.gov/homeloans/nadl_mou.asp.

Location:

Nationwide

How to apply

Obtain a VA Certificate of Eligibility, then contact a NADL coordinator at NADL@va.gov or (888) 349-7541 (TTY: 711). Verify your tribe has an active MOU at benefits.va.gov/homeloans/nadl_mou.asp before applying.

Phone Email

Contact

Phone: (888) 349-7541

Email: NADL@va.gov

View program website

Last verified against the official source on 2026-05-10.