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Native American Direct Loan (NADL)

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 a NADL—and how to apply.

Can I get a NADL?

You may be able to get a NADL if you’re a Native American Veteran or a non–Native American Veteran married to a Native American, and:

  • Your tribal government has an agreement—or Memorandum of Understanding (MOU)—with us detailing how the program will work on its Trust lands, and
  • You have a valid VA home loan Certificate of Eligibility (COE), and
  • You meet our credit standards, and
  • You have proof that you make enough money to cover the mortgage payments and other costs of owning a home, and
  • You’ll live in the home you’re using the NADL to buy, build, or improve

Learn more about the MOU.


Why might I want to get a NADL?

A 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)
  • 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 borrow up to the FannieMae/FreddieMac 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. See current effective loan limits.

How do I get a NADL?

  1. Apply for a VA home loan Certificate of Eligibility (COE).

    This certification confirms that you qualify for the VA home loan benefit.
    Find out if you can get a COE based on your service history and duty status.
    Apply for your COE.

  2. Contact the VA regional loan center for your state to begin the NADL process.

    Find your state’s VA regional loan center.