The Tribal Climate Change Guide is part of the Pacific Northwest Tribal Climate Change Project (TCCP). The TCCP is part of the L.I.G.H.T. Foundation (LF), is an independent, Indigenous-led, conservation 501(c)(3) nonprofit established on the Colville Indian Reservation in the traditional territory of the Nespelem Tribe in present-day north central Washington State. LF supports the restoration and cultivation of native Plant and Pollinator Relatives and the culturally respectful conservation of habitats and ecosystems which are climate resilient and adaptive. For more information about LF, visit: https://thepnwlf.org/. For more information about the Tribal Climate Change Project, visit: https://tribalclimate.uoregon.edu/. If you would like to add information to this guide, please email kathy.lynn.or@gmail.com.

 

Native American Direct Loan

Submitted by sijo on
Type
Funding
Grant Deadline
Organization
US Department of Veterans Affairs
Description

Rolling deadline. If you’re a Veteran, and either you or your spouse is Native American, our Native American Direct Loan (NADL) program may help you get a loan to buy, build, or improve a home on federal trust land. You may also get a loan to refinance an existing NADL and reduce your interest rate. Find out if you qualify for an NADL—and how to apply. An NADL offers many benefits, including:

No down payment required in most cases.
No need for private mortgage insurance (PMI), which is commonly charged to conventional loan borrowers.
Limited closing costs (fees you pay for services and other costs related to getting a loan and buying a home).
A low-interest, 30-year fixed mortgage (a fixed mortgage means your interest rate will stay the same over the full life of the loan). The current VA interest rate for NADLs starts at 2.5%. To find out what your interest rate will be, contact an NADL coordinator by email at NADL@va.gov or by phone at 888-349-7541 (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.
A reusable benefit, which means you can get more than one NADL to buy, build, or improve another residence in the future.
The ability to refinance a current NADL for a lower interest rate.
The ability to borrow up to the Fannie Mae/Freddie Mac conforming loan limit on a no-down-payment loan in most areas—and more in some high-cost counties. You can borrow more than this amount if you want to make a down payment.

Website
https://www.va.gov/housing-assistance/home-loans/loan-types/native-american-dir…

The Tribal Climate Change Guide is supported through partnerships between the University of Oregon Environmental Studies Program and the North Pacific Landscape Conservation Cooperative, the USDA Forest Service Pacific Northwest Research Station, the Institute for Tribal Environmental Professionals and the Environmental Protection Agency Region 10 Tribal Program.
Questions about this Guide should be directed to kathy@uoregon.edu.

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