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This program is a mortgage that is guaranteed by HUD. If the recipient defaults on the mortgage, HUD pays the lender.

HUD/Section 184 Loan Website

Section 184 can be used for:

  • Purchase an existing home
  • Construction loans for stick built or manufactured on permanent foundations
  • Rehab loans
  • Refinancing loans


American Indian or Alaska Native who are members of a Federally recognized Tribe.

  • An Indian Tribe
  • A Tribally Designated Housing Entity (TDHE)
  • An Indian Housing Authority (IHA)

Lender Participation:

Loans are originated and serviced by lenders that have completed Section 184 training. The Sault Tribe Housing Authority does not process mortgage's. Please contact one of the lendors listed below.

  • 1st Tribal Lending

2401 San Pablo Ave

Pinole, CA 94564


Click here for Website

  • New Executive Mortgage

100 W. Midland

Bay City, MI 48706


Click here for Website

  • Wells Fargo Home Mortgage

770 E Lakeshore Drive

Manistique, MI 49855


Click here for Website

  • Wells Fargo Home Mortgage - 2nd Location

3890 Charlevoix Ave

Suite 360

Petoskey, MI 49770


Click here for Website

  • HUD Certified Lenders

Click here for website

For more information regarding this program,

please call the Homeownership Department.

906‑495‑1450 or 800‑794‑4072

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Photo by Ken Bosma / CC BY