WASHOe TRIBE of nevada and california
919 US Highway 395 South
Gardnerville NV, 89410
(775)-265-8600
https://www.washoetribe.us
nevada rural housing authority (NRHA)
Nevada Rural Housing Authority offers a variety of services and programs. Their services include but are not limited to: provide affordable housing for Nevada citizens, down payment assistance grants, property rehabilitation, weatherization/energy efficiency, rental support, creative home financing program, needs assessments, economic development, realtor and lender resources and much more. For more information, please contact the NHRA at 3695 Desatoya Drive, Carson City, Nevada 89701, (775) 887-1795 or visit their website at http://www.nvrural.org/ You may also contact the WHA for more details.
Inter-Tribal Council of nevada (ITCN)
The main intent of ITCN is to serve as a large political body for the small Nevada Tribes. ITCN has played a major role in promoting Health, Educational, Social, Economic, and Job Opportunity Programs. ITCN now manages Federal and State funded programs aimed at improving the well-being of community members throughout the State of Nevada. For details about their programs, contact WHA or ITCN at 680 Greenbrae Drive, Suite. 265, Sparks, NV 89431, (775) 355-0600 or go to http://itcn.org/
us Dept. Of housing and urban development (HUD)
HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination, and transform the way HUD does business. Some of their programs include the following: Buying a Home, Energy, Avoiding Foreclosure, Fair Lending, Grants, Home Improvements, Homelessness, Section 8, Information for Disabled persons and Senior Citizens, Rental Assistance and Veteran Information. For details go to HUD’s website at: http://www.hud.gov
department of the interior - Bureau of Indian Affairs (BIA)
The Bureau of Indian Affairs offers an extensive scope of programs that covers the entire range of Federal, State and local government services. Programs administered by either Tribes or Indian Affairs through the Bureau of Indian Education (BIE) include an education system consisting of 183 schools and dormitories educating approximately 42,000 elementary and secondary students and 28 tribal colleges, universities, and post-secondary schools. Programs administered through the Bureau of Indian Affairs (BIA) include social services, law enforcement and detention services, administration of tribal courts, housing improvement, disaster relief. Through BIA programs, Tribes improve their tribal government infrastructure, community infrastructure, education, job training, and employment opportunities along with other components of long-term sustainable developments that work to improve the quality of life for their members. The BIA’s mission is to enhance the quality of life, to promote economic opportunity, and to carry out the responsibility to protect and improve the trust assets of American Indians, Indian Tribes and Alaska Natives. For more information, please contact the BIA at 311 E. Washington St., Carson City, NV 89701 (775) 887-3500. Their website is: http://www.bia.gov/
Nevada aging and disability services division (ADSD)
ADSD Community Advocates increase awareness of community resources to all Nevadans across the lifespan. Creating opportunities to educate, inform, and connect those individuals seeking help to access programs and services to meet their needs. Advocates participate in outreach opportunities such as information fairs, presentations, program visits, and much more. The Community Advocates are also here to help and provide guidance as needed and can offer one-time emergency assistance to ensure sustainability and well-being of individuals.
For individuals and families that seek to explore all options for services and programs that meet their goals and needs, the Nevada Care Connection Resource Centers have Resource Navigators to help. Use the link below to find your local Resource Center. Application for Emergency Assistance. Their website is: http://adsd.nv.gov/
Section 184 Indian Home Loan Guarantee Program
The Section 184 Indian Housing Loan Guarantee Program is designed to offer home ownership and housing rehabilitation opportunities for eligible Native American individuals, families, tribes and Tribally Designated Housing Entities (TDHE).
The WHA may provide information on the Section 184 Mortgage Product including applications and a listing of approved lenders in your area. The WHA is also available to provide technical assistance in the preparation, budgeting, application and loan process.
Section 184 Indian Housing Loan Guarantee Program
1st Tribal lending
The Section 184 Indian Home Loan Guarantee Program is a home mortgage program specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or TDHEs. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.
Because of the unique status of Indian lands being held in Trust, Native American home ownership has historically been an under served market. Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies.
To help increase Native access to financing, the Office of Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native borrowers. By providing this guarantee, HUD has made it possible for lenders to serve Native Communities both on and off the reservation. This increases the marketability and value of the Native assets and strengthens the financial standing of Native Communities.
Section 184 is synonymous with home ownership in Indian Country. As of March 2017, the Section 184 program has guaranteed over 37,000 loans (almost $6 billion dollars in guaranteed funds) to individuals, Tribes, and TDHEs.
CLICK HERE TO GET PREQUALIFIED NOW!
Veteran Home Loans
The VA Home Loan Guarantee Program helps veterans purchase, refinance, or build homes through VA-approved lenders like Veterans United.
Loans are backed up to $417,000 and more in some areas with low closing costs and fewer fees than conventional loans.
Packed with money-saving advantages such as a no down payment requirement and no private mortgage insurance, the VA home loan also is designed specifically for the unique challenges facing service members and their families. The VA Home Loan Destination for Millions.
Call us at 800-726-2580 to speak to a VA Loan Specialist.
Note: Veterans United Home Loans is not affiliated with any government agencies, including the VA.
US department of agriculture (USDA)
Program assistance is provided in many ways, including direct or guaranteed loans, grants, technical assistance, research and educational materials. http://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants/nv
USDA Rural Repair and Rehabilitation Loans and Grants
Purpose: The Very Low-Income Housing Repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards.
Eligibility: To obtain a loan, homeowner-occupants must be unable to obtain affordable credit elsewhere and must have very low incomes, defined as below 50 percent of the area median income. They must need to make repairs and improvements to make the dwelling more safe and sanitary or to remove health and safety hazards. Grants are only available to homeowners who are 62 years old or older and cannot repay a Section 504 loan. For Income and Property Eligibility please see our Eligibility Site.
Terms: Loans of up to $20,000 and grants of up to $7,500 are available. Loans are for up to 20 years at 1 percent interest. A real estate mortgage and full title services are required for loans of $7,500 or more. Grants may be recaptured if the property is sold in less than 3 years. Grant funds may be used only to pay for repairs and improvements resulting in the removal of health and safety hazards. A grant/loan combination is made if the applicant can repay part of the cost. Loans and grants can be combined for up to $27,500 in assistance.
Standards: Repaired properties do not need to meet other Housing and Community Facilities Programs (HCFP) code requirements, but the installation of water and waste systems and related fixtures must meet local health department requirements. Water supply and sewage disposal systems should normally meet HCFP requirements. Not all the health and safety hazards in a home must be removed with Section 504 funds, provided that major health and safety hazards are removed. All work must meet local codes and standards.
For more information about this program, or to file an application, contact the local Rural Development office in your area.
Housing Improvement Program (HIP) Applications
The Housing Improvement Program is a home repair, renovation, replacement, and housing grant program administered by the Bureau of Indian Affairs (BIA), all federally-recognized Indian Tribes, American Indians and Alaska Native individuals and families who have no immediate resource for standard housing MAY APPLY. To be eligible for HIP assistance, you must be a member of a federally recognized American Indian tribe or be an Alaska Native; live in an approved tribal service area; have an income that does not exceed 150% of the U.S. Department of Health and Human Services Poverty Guidelines; have present housing that is substandard, as defined in the regulations 25 CFR, Part 256; have no other resource for housing assistance; have not previously received HIP assistance for repairs, renovation, replacement or housing, or down payment assistance; and have not acquired your present housing through a federally sponsored housing program within the previous 20 years. Interested applicants should contact the WHA Client Services Dept. for an Application Package containing the application, guidelines, and required supporting documentation necessary in order to qualify for eligibility.
HIP APPLICATION Process
HIP applications are required to be submitted annually by the deadline specified by the WHA (in the past deadline has been in August of each year), in accordance with the BIA work plan submittal deadline.
HIP applications are reviewed by WHA staff, and every attempt possible is made to assist the applicant with correcting any deficiencies within the application.
HIP applications are assigned a random number for anonymous review by the WHA Board of Commissioners (BOC), in order to assign points in each evaluation category per BIA regulation.
The annual work plan is then completed with points associated to each applicant identified by the WHA BOC for presentation to the Washoe Tribal Council.
Washoe Tribal Council approves the work plan for submittal to BIA.
WHA submits the work plan to BIA for review on behalf of the Tribe.
BIA reviews the work plan and awards HIP Grants to the Washoe Tribe for a specific individual (after announcement of HIP funding has been made).
amerind risk
AMERIND Risk, founded 32 years ago, is the only 100% Tribally owned and operated insurance provider committed to Indian Country. Over 400 Tribes united and pooled their resources to create AMERIND Risk to keep money within Indian Country, Tribes Protecting Tribes. AMERIND Risk provides property, liability, automobile, and workers’ compensation insurance for Tribes, Tribal governments and Tribal businesses, as well as individual property coverage for Tribal members. AMERIND Risk also provides health benefits brokerage services to assist in securing affordable, cost-effective products for employee benefit plans through its AMERIND Benefits Agency and helps Tribes obtain state of the art broadband connectivity, through its AMERIND Critical Infrastructure (ACI) division.
For more information, visit AMERIND RISK
NOTE: The Regulations have changed, and is an additional Category D – Down Payment Assistance has been added. Contact your local housing office for more information.