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Section 184 Home Loan

For American Indian or Alaska Native families

If you're a member of a federally recognized tribe, you may be eligible for a Section 184 home loan to finance a home on or off tribal lands.1


Competitive rates

Competitive rates make purchasing more affordable.


Low down payment

Enjoy lower down payment options making it easier to purchase now.


No location restrictions

Purchase or refinance on or off tribal land.


Flexible qualification guidelines

You don't need a perfect credit score, with flexible qualification guidelines.


Seller-paid closing costs

We allow higher seller credits so you can pay less at closing.


Expert support

Our experts know their stuff! When you need guidance, count on us.

Calculate your monthly payment2

Monthly Payment

Lower Rates

Save with competitive interest rates

Section 184 home loans often offer more affordable rates than many other loan options.

Mom and young child drawing a house and coloring
Variety of Uses

Versatile financing

Use your loan for the home you need, including new construction, purchase, or rehabilitation of a property on or off tribal lands.

Young mom and her child hugging in their new home

Trust is a top reason members choose Members Mortgage.

— 2023 Mortgage Processing Survey

How it works

It's easy to get Section 184 home loan.

  • 1

    Complete an application

    Apply online, over the phone, in person, or through video banking.

  • 2

    Get approved or pre-qualified

    We’ll let you know if you’re approved or pre-qualified to refinance or purchase.

  • 3

    Buy or refinance your home

    Use loan funds to buy or refinance a home.

Apply now

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8580

Ready to buy your next home?


 A Section 184 home loan helps American Indian or Alaska Native members enjoy lower rates, easier qualifications, and lower down payments, on or off tribal lands.


Apply now

  • 1 Section 184 loans are government-guaranteed mortgages generally available to American Indian and Alaska Native families, Alaska villages, tribes or tribally designated housing entities, and they are subject to Section 184 loan-specific eligibility requirements, limitations and restrictions.
    2 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

    Members Cooperative Credit Union lends to Minnesota and Wisconsin residents only and property used as mortgage security must be within the states of Minnesota and Wisconsin. Membership and loan approval required. Restrictions apply.

    Home Mortgage Disclosure Act Notice

    The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any branch office regarding the locations where HMDA data may be inspected.

    Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers. In order to receive account notifications you must enroll in online banking services and specifically text notifications. Membership required.

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