Section 184 Indian Housing Loan Guarantee Program

The U.S. Department of Housing and Urban Development (HUD) has prioritized developing regulations for the Section 184 Indian Housing Loan Guarantee Program (Section 184) and is seeking to consult with Tribal Nations and Tribal Leaders at the beginning of the regulation drafting process in accordance with the HUD Government-to-Government Consultation Policy. The Section 184 program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

To kick off this consultation, HUD will be holding two listening sessions. The first will occur during the National Congress of American Indians (NCAI) 2018 Executive Council Winter Session, February 12-15, and the second will be held at the National American Indian Housing Council (NAIHC) 2018 Legislative Conference, March 5-7. Both conferences will be held in Washington, DC.  

At each conference, HUD officials will provide a brief overview of the Section 184 program, and then accept comments from attendees. 

HUD is preparing a “read-ahead” document for those interested in participating in the listening sessions. This document will be posted on the Office of Native American Program’s (ONAP) website ( in advance of the listening sessions and will be available on-site at each conference. The read-ahead will provide background on the Section 184 program and will highlight topic areas that HUD is considering addressing in regulations, and on which HUD is specifically interested in hearing from Tribal Leaders. 

In addition, you are invited to submit comments on developing regulations for the Section 184 program by email or postal mail. Information on submitting comments will be posted on the ONAP website.

Input from Tribal Leaders is essential to developing regulations for the Section 184 program.  Thank you for your continued partnership and collaboration in the effective delivery of HUD’s programs.