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