Government
VA Native American Direct
Dreaming of owning a home on Native American trust land? The VA Native American Direct Loan (NADL) program, offered by CMRE, makes homeownership accessible with competitive rates starting at 6.25%. This program offers unique benefits and flexible terms designed to honor the service of eligible Native American veterans and simplify the path to owning a home.
Program Benefits
Low interest rates starting at 6.25% for eligible borrowers.
No down payment required in most cases, preserving your capital.
Financing available for purchase, construction, or improvement of homes on Native American trust land.
Potentially lower closing costs compared to conventional mortgages.
Flexible qualification requirements designed for Native American veterans.
Opportunity to build equity and create lasting wealth for your family.
Program Highlights
Max LTV
96.5%
Min Credit Score
580
Max DTI
41%
Loan Amount Range
$50K - $726,200 (Varies by County)
Amortization Options
Eligible Properties
- Single Family
- Manufactured Home (if permanently affixed)
- New Construction
Program Requirements
Income Documentation
- •Stable and verifiable income source.
- •Sufficient income to cover monthly mortgage payments and other debts.
- •Income must be consistent with the borrower's employment history.
- •Documentation of all income sources required.
Asset Verification
- •Limited asset requirements compared to conventional loans.
- •Verification of funds for closing costs, if applicable.
- •Assets may be considered to offset potential credit weaknesses.
- •Documentation of all asset accounts required.
Insurance & Title
- •Hazard insurance to protect the property from damage.
- •Flood insurance, if the property is located in a flood zone.
- •Title insurance to protect against ownership disputes.
- •VA funding fee may be required.
Property Requirements
- •Minimum FICO score of 580.
- •Review of credit history to assess responsible credit management.
- •Consideration of mitigating factors for past credit issues.
- •Clear explanation of any derogatory credit marks required.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Native American trust land is land held in trust by the United States government for the benefit of a Native American tribe or individual. This land has special legal status and is often subject to different regulations than privately owned land.
The 6.25% rate is a starting rate and can be subject to change based on market conditions and individual borrower qualifications. Contact CMRE for the most up-to-date rates and personalized loan options.
Yes, the VA NADL program can be used to refinance an existing mortgage on Native American trust land, potentially lowering your interest rate or monthly payments.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
