Section 184 Loans Refinance | Lower Your Rate or Cash-Out (No Monthly MI)
You Already Own a Home—Now Let’s Help You Make It Work Even Better.
If you’re a Native American or Alaska Native homeowner, you may qualify for a Section 184 Refinance Loan—a powerful and culturally designed program that helps you lower your interest rate, reduce your payment, or access your home’s equity without the rigid standards of traditional loans.
What Is the Section 184 Refinance Loan?
The Section 184 Indian Home Loan Guarantee Program isn’t just for purchasing—it also allows eligible borrowers to refinance with lower credit barriers, reduced fees, and no monthly mortgage insurance.
Refinance Options Include:
- Rate & Term Refinance – Lower your rate or adjust loan term
- Cash-Out Refinance – Access equity for home improvements, education, or family goals
- Streamlined Refinance – Less paperwork, faster approval for current 184 borrowers
Refinance options are available for homes on or off tribal land, depending on location and tribal affiliation.
Who Qualifies for a Section 184 Refinance?
You may be eligible if:
- You are enrolled in a federally recognized tribe
- Your home is located in an approved Section 184 area
- You currently have a Section 184 loan (for streamlined refinance)
- You meet minimum credit guidelines (around 600)
- Your home is a primary residence
For cash-out refinances, your home must have sufficient equity (typically 80% LTV or less).
When Is It Smart to Refinance with Section 184?
It may be the right time if:
- Interest rates are lower than when you bought
- You want to shorten or extend your term
- You need cash for major life expenses
- You’re on an ARM (adjustable-rate) and want a fixed rate
You’ve built enough equity to access cash-out refinance
Final Word: Your Home Has Value—Now Let’s Put It to Work for You and Your Community.
A refinance under Section 184 offers more than financial flexibility—it offers the chance to build generational stability with tools designed to serve Native families.
Book Your Free Section 184 Refinance Consultation
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
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- No credit check required
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Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.
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Got a Few Questions First?
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