The HUD-184 loan program provides an excellent pathway to homeownership for Native American and Alaska Native tribal members purchasing homes in Vancouver, Camas, Battle Ground, Ridgefield, Washougal, La Center, and throughout Clark County, Washington. This federally insured mortgage program offers competitive terms and low down payment options specifically designed for eligible tribal members.

What is the HUD-184 Loan Program?

The Section 184 Indian Home Loan Guarantee Program is administered by the U.S. Department of Housing and Urban Development (HUD) to facilitate homeownership for Native American tribal members. Whether you're purchasing in Vancouver, Salmon Creek, Felida, Hazel Dell, Orchards, or any Clark County community, HUD-184 financing can make your home purchase more affordable.

Key Benefits for Clark County Tribal Members

Low Down Payment Requirements: HUD-184 loans require as little as 2.25% down for homes under $50,000 and just 1.25% down for properties over $50,000—significantly lower than conventional loan requirements. For a $400,000 home in Camas or Battle Ground, this means only $5,000 down payment.

No Maximum Loan Amount: Unlike FHA loans, HUD-184 has no loan limits, making it ideal for purchasing higher-priced homes in desirable Vancouver, Ridgefield, or Camas neighborhoods.

Competitive Interest Rates: HUD-184 loans typically offer rates comparable to conventional and FHA financing for Clark County properties.

Flexible Credit Requirements: The program accommodates borrowers with less-than-perfect credit, helping more tribal members achieve homeownership in Vancouver, Battle Ground, Washougal, and throughout Clark County.

No Private Mortgage Insurance (PMI): While there's a one-time guarantee fee and annual fee, HUD-184 doesn't require traditional PMI, reducing monthly housing costs.

Eligibility for Clark County Purchases

To use HUD-184 financing for your Vancouver, Camas, or other Clark County home purchase, you must be:

  • An enrolled member of a federally recognized tribe, Alaska Native, or Native Hawaiian
  • Meet standard mortgage underwriting criteria
  • Purchasing a primary residence

The property can be located anywhere in Clark County—on or off tribal trust land—including single-family homes, townhomes, and condominiums in Vancouver, Battle Ground, Ridgefield, and surrounding communities.

Working with HUD-184 Approved Lenders

Not all lenders offer HUD-184 financing. Marcia Gonzales at Evergreen Home Loans (503-754-6902) has experience working with specialized loan programs and can connect you with HUD-184 approved lenders serving Clark County. Her expertise ensures eligible tribal members understand all available financing options for their Vancouver, Camas, or Battle Ground home purchase.

Resources for Native American Home Buyers

Complete HUD-184 program details are available at www.hud.gov/program_offices/public_indian_housing/ih/homeownership/184 or by calling HUD's Title VI Loan Guarantee Program at 1-800-561-5913.

As your Designated Broker serving all of Clark County, I'm committed to helping eligible tribal members navigate the home buying process in Vancouver, Camas, Battle Ground, Ridgefield, Washougal, and throughout our community.

Real Estate Rob
Designated Broker, Kinected Realty LLC
Phone: 360-787-3675
Email: rob@realestaterob.house
Web: www.realestaterob.house

Lending Expert:
Marcia Gonzales, First Time Home Buyer Queen
Evergreen Home Loans
Phone: 503-754-6902

 

For official HUD-184 program information, visit www.hud.gov/program_offices/public_indian_housing/ih/homeownership/184