Native American Direct Loan | Veterans Affairs

You may be eligible for an NADL if you’re a Native American Veteran or a non–Native American Veteran married to a Native American, and you meet all of these requirements.

All of these must be true:

• 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