How to Buy a House: Native Hawaiian Home Loan Program

If you’re a Native Hawaiian, you may be able to participate in a special Native Hawaiian home loan program designed to help you purchase, construct, rehabilitate or refinance your home easier. This program is known as the Section 184A Native Hawaiian Housing Loan Guarantee Program. Keep reading – I’m going to explain what it is, who qualifies and how you can participate.

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What is Section 184A?

Section 184A is a loan guarantee program offered by the US Department of Housing and Urban Development’s Office of Native American Programs.

As a loan guarantee program, Section 184 basically tells the lender that they will be paid for the loan even if you are unable to make payments on it. Since the lender doesn’t need to worry about losing their investment, they’re more willing to work with low income borrowers!

Why should I consider a Section 184A loan?

The information about the Section 184A program is fairly vague. Most of it points back to the Section 184 program for mainland Native Americans and Alaska Natives.

However, we’ve reached out to someone at the Hawaiian HUD office for more information about these benefits and we’ll update this list if/when we receive more information.

Who qualifies for Section 184 loans?

Section 184 Indian Home Loan Guarantee Program is exclusively for Native Hawaiians.

In addition, the home to be purchased must be in an eligible area that has been designated a “Hawaiian homeland.” These homelands are held in trust for eligible Native Hawaiians to purchase.

How do I sign up for Native Hawaiian home loans?

You will need to meet with a Section 184A approved lender to begin the application process. You’ll find a list of Section 184A approved lenders on the HUD website.

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Nicole Thelin

Nicole leads the Low Income Relief team with over 20 years of professional research and writing experience. Nicole started Low Income Relief after a personal experience with poverty. When her husband was medically discharged from the US Army, their family experienced tremendous financial hardship. Nicole was able to gather help from multiple community agencies and move into a nearby low income housing unit in just two weeks! Since then, Nicole has been dedicated to helping low income families in crisis. She regularly spends hundreds of hours combing through countless resources to make sure that Low Income Relief has the most comprehensive and complete resource directories on the internet today. Prior to starting Low Income Relief, Nicole worked as a novelist, journalist, ghostwriter and content creator. Her work has been featured in various print and online publications, including USA Today, eHow, Livestrong, Legal Beagle, The Daily Herald, The Chronicle and more.