To obtain a NADL, the law requires that:

1. The applicant must be an eligible Veteran.
2. The tribal organization or other appropriate Native American group must be participating in the VA direct loan program. The tribal organization must have signed a Memorandum of Understanding with the Secretary of Veterans Affairs, that spells out the conditions under which the program will operate on its trust lands.
3. Apply for a Certificate of Eligibility.
4. The loan must be to purchase, construct, or improve a home on Native American trust land.
5. The Veteran must occupy the property as his or her primary residence.
6. The Veteran must be a satisfactory credit risk.

Commissioned Officers of the Public Health Service and National Oceanic and Atmospheric Administration are considered to be active duty members and Veterans, once discharged.

Length-of-service requirements apply, in most cases.

All prospective applicants are encouraged to first contact their local housing authority and VA to discuss their financial situation and obtain a general idea of whether or not they might qualify for a home loan.

For more information please visit the NADL program website.