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What is the Section 184A Native Hawaiian Housing Loan Guarantee Program?

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.

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What's New

Dear Lender Letter 2024-03- Native Advantage – release of the Loan Origination Module and Changes to the Business Process Related to the Release

The purpose of this Dear Lender Letter (DLL) is to inform Lenders participating in the Section 184 Indian Housing Loan Guarantee (Section 184) program and the Section 184A Native Hawaiian Housing Loan Guarantee (Section 184A) program of the upcoming release of the second component of Native Advantage, the Loan Origination Module, and changes to the Office of Native American Programs (ONAP) business process related to this release.

Dear Lender Letter 2024-02- Updated Appraisal Validity Periods

This Dear Lender Letter (DLL) extends the initial appraisal and appraisal update validity periods for Section 184 and Section 184A loans.

Dear Lender Letter 2024-01Revised Maximum Loan Limits for Section 184 and Section 184A Loan Guarantee Program

The purpose of this Dear Lender Letter (DLL) is to update the maximum loan limits for the Section 184 Indian Home Loan Guarantee (Section 184) program and Section 184A Native Hawaiian Housing Loan Guarantee (Section 184A) program.

​​Dear Lender Letter 2023-10- Extends the Foreclosure Moratorium in Maui County, Hawaii.

Properties guaranteed by the Section 184A program are subject to a moratorium on foreclosure through May 6, 2024. The moratorium applies to the initiation of 184A mortgage assignments to HUD and 184A mortgage assignments already in process.

ONAP Catalyst LogoONAP Catalyst

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.

Lender Forms

Native Advantage Access Native Advantage Claims Module User Access Form (MS-Excel)
COVID-19 184A LMA Note COVID-19 184A Loss Mitigation Advance Promissory Note
ONAP Catalyst Access ONAP Catalyst User Access Form (MS-Excel) (June 23, 2020)
Servicing Report Section 184A Servicing Report Model (Supercedes June 2020)
HUD-50110-A Section 184A Warranty of Completion of Construction Form (09/2018)
HUD-50111-A Section 184A Addendum to Uniform Residential Loan Application (09/2018)
HUD-50112-A Section 184A Construction Loan Rider (09/2018)
HUD-50118-A Mortgagee's Assurance of Completion - Section 184A Loan (09/2018)
HUD-50119-A Section 184A Post Endorsement Submission Checklist (09/2018)
HUD-50124-A Section 184A Homebuyer Notice Form (09/2018)
HUD-50125-A Single Close 184A Applicant Acknowledgement (09/2018)
HUD-50127-A Section 184A Native Hawaiian Loan Guarantee Program Endorsement Submission Checklist-Acquisition and Single Close New Const/Rehab 09/2018)
HUD-50128-A Section 184A Endorsement Submission Checklist-Refinance (09/2018)
HUD-50131-A HUD ONAP: Section 184A Loan Guarantee Program Case Number Request Form (09/2019)
HUD-50132-A Section 184A Combined Mortgage Credit Analysis Worksheet (xlsx) (07/2018)
HUD-50143-A Section 184A Loan Firm Commitment (09/2018)
HUD-50149-A Rider For Section 184A Mortgage - Leasehold (09/2018)

Contact Us

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 link to email:

Claudine Allen or by phone at (808) 457-4674

U.S. Department of Housing and Urban Development
1003 Bishop Street, Suite 2100
Honolulu, HI 96813