The Hawaiian Homelands Homeownership Act of 2000 adds a new Section 184A to the Housing and Community Development Act of 1992 which authorized the Native Hawaiian Housing Loan Guarantee Program. The regulations for Section 184A was published as an Interim Rule on June 13, 2002, and are found at 24 CFR part 1007. The program is designed to offer home ownership, property rehabilitation, and new construction opportunities for eligible Native Hawaiian individuals and families wanting to own a home on Hawaiian home lands.
The purpose of the Section 184A loan is to provide access to sources of private financing on Hawaiian home lands. Section 184A permits HUD to guarantee 100% of the unpaid principal and interest due on an eligible loan. The use of the Section 184A Loan Guarantee Program is limited to owner-occupant single family dwellings located on Hawaiian home lands.
NEW! Dear Lender Letter 2021-04 - 184/184A Underwriting Guidelines for Borrowers with Previous Mortgage Payment Forbearance
The purpose of this Dear Lender Letter (DLL) is to inform Lenders participating in the Section 184 Indian Home Loan guarantee program (Section 184) and the Section 184A Native Hawaiian Housing Loan Guarantee program (Section 184A) of underwriting guidelines for Refinance transactions, including Borrowers with previous COVID-19 Forbearance history, as well as Payment History requirements for purchase transactions for Borrowers with previous COVID-19 Forbearance history.
Dear Lender Letter 2021-03 - Section 184A Financing of Homes Located on Agricultural and Pastoral
This Dear Lender Letter (DLL) announces policy established by the Office of Native American Programs (ONAP) for the Section 184A Loan Guarantee Program regarding financing of homes located on agricultural and pastoral lots on Hawaiian home lands.
Dear Lender Letter 2020-11 - Section 184A Loan Limits
This Dear Lender Letter (DLL) announces a technical correction by the Office of Native American Programs (ONAP) to the Section 184A loan limit for properties located in Hawaii County. This DLL is effective immediately for all Section 184A loans that do not have a 184A cohort number assigned as of September 9, 2020.
Dear Lender Letter 2020-10 - Extension of Foreclosure Moratorium and Administrative Flexibilities
Due to the ongoing COVID-19 National Emergency, HUD is extending the foreclosure and eviction moratorium applicable to the Section 184 Indian Home Loan Guarantee program and Section 184A Native Hawaiian Housing Loan Guarantee program through December 31, 2020. HUD is also extending the loan processing flexibilities originally issued in DLL 2020-05, and further extended in DLL 2020-08, through October 31, 2020. For more information, please see Dear Lender Letter 2020-10.
Dear Lender Letters
ONAP Catalyst is a new cloud-based platform that will build trust and efficiency through reliable and accurate data, facilitating a modern system for participating Section 184/184A direct guarantee lenders and servicers. Access the ONAP Catalyst resource page.
For more information on the Section 184A Native Hawaiian Housing Loan Guarantee Program, please contact a Native Hawaiian Program Specialist, in the HUD Honolulu Field Office by clicking the following links:
Claudine Allen or by phone at (808) 457-4674
Diana Houston or by phone at (808) 457-4682
U.S. Department of Housing and Urban Development
1132 Bishop Street, Suite 1400
Honolulu, HI 96813