HUD Section 184 Home Loans

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Home Loans for Native Americans

1st Tribal Lending

Mid America Mortgage also does business as 1st Tribal Lending. This division focuses on HUD Section 184 loans for Native Americans.

Mid America Mortgage also does business as 1st Tribal Lending. Although the name is different, the commitment to superior customer service and affordable home loans remains the same! 1st Tribal lending offers Section 184 home loans to Native Americans who are enrolled members of federally recognized tribes. Properties can be financed both on and off reservations (within approved areas).

Our Section 184 loan programs can be used for:

  • Buying a new home
  • Construction of a new home
  • Renovating an existing property
  • The purchase and renovation of an existing structure
  • Refinancing a home

To get started on your path to homeownership, you can start the pre-qualification process online or, to speak with someone right away, feel free to call us at 866-235-4033.

About Section 184 Financing

  • You must be an enrolled member of a federally recognized tribe
  • The home being financed can be on or off the reservation (within approved areas)
  • Down payments requirements can be as low as 1.25% – 2.25%
  • Gifts and tribal assistance may be used to towards downpayments
  • 30 year fixed rate mortgages
  • No monthly mortgage insurance
  • Double wide mobile homes may be eligible
  • New construction and renovations are allowed

Contact 1st Tribal Lending


1st Tribal Lending
Toll Free: (866) 235-4033
Main phone number: (510) 856-2184

Closing or funding issues: (510) 856-2190
Post Closing: (510) 856-2182

Contact 1st Tribal Lending

  • Call 866-235-4033 and speak to someone in our Oceanside branch office.
  • Use the Rate Quote Form on the right to send us an email request.
  • Pre-Qualify Now
Pre Qualify Now
I contacted 4 lenders. Mid America had the most comprehensive presentation. I ask to be contacted by email and he did. He gave me the information I needed to make a decision.


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15301 Spectrum Drive, Suite 405
Addison, TX 75001
Phone: 214-261-3300
Toll Free: 866-544-7013
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Lisle, IL 60532
Phone: 630-796-6092
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