Native American Direct Loan

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.