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Native American Direct Loan (NADL)

Home loans · U.S. Department of Veterans Affairs

What it is

Native American Veterans, and Veterans married to a Native American, who want a home loan for a house on federal trust land, whether to buy, build, fix up or refinance.

How to apply

Your Tribe must have an agreement with VA for its trust land. You also need a VA home loan Certificate of Eligibility, and you must meet credit and income standards and plan to live in the home. Request your certificate first, then contact an NADL coordinator at VA to start. Rules and rates change, so check with the office.

Official page

Apply / learn more (official page)

Assistance Listing 64.126

Rules and amounts change — check with the office.

Offices near you

Pick your Nation to see its own page for this program, with its local office.

Alaska

Arizona

California

Colorado

Florida

Idaho

Kansas

Maine

Michigan

Minnesota

Mississippi

Montana

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New Mexico

New York

North Carolina

North Dakota

Oklahoma

Oregon

South Carolina

South Dakota

Texas

Washington

Wisconsin

Wyoming

← All help programs

Rules and amounts change — check with the office. Information from U.S. Department of Veterans Affairs, last checked October 29, 2026.

About this page

Where this comes from
The program, its eligibility list, its links and its offices come from official government pages and lists (U.S. Department of Veterans Affairs). The description above is our own wording, reviewed before it was shown.
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