Housing

Native American Direct Loan (NADL)

A direct VA mortgage, from 2.47% fixed for 30 years when read, to buy, build or improve a home on federal trust land for a Native American veteran or a veteran married to a Native American.

Also called: NADL, trust land, tribal housing, Native American veteran.

For: Veteran or service member.

Where it applies

Applies in states and territories.

Federal

Under the Native American Direct Loan program, VA itself is the lender. It finances the purchase, construction or improvement of a home on federal trust land, and refinancing an existing NADL to a lower rate. The veteran must be Native American, or married to a Native American, hold a VA home loan Certificate of Eligibility, meet VA's credit and income standards, and live in the home. The tribal government must have a memorandum of understanding with VA for its trust land. The loan is a 30-year fixed mortgage, usually with no down payment and no private mortgage insurance, and limited closing costs. VA's page gave the rate as starting at 2.47% when read; it changes, so ask an NADL coordinator at [email protected] or 888-349-7541. The benefit is reusable.

Thresholds

Thresholds for Native American Direct Loan (NADL)
Gate	Rule
Native American veteran on trust land	A Native American veteran, or a veteran married to one, buying on trust land of a tribe with a VA memorandum of understanding.

Documents the source lists

What the official source lists for an application, and where to get each document. It is a reference read from the source, not a full list of what the office may ask for; check with the office or an accredited representative before you apply. Needed means the source asks for it; Helps means the source calls it optional or says it speeds things up.

Needed VA home loan Certificate of Eligibility (COE)
Where to get it Request it on VA.gov, or ask your lender to get it through VA’s lender portal.
Listed by VA, Native American Direct Loan (NADL) program read 2026-10-10

Figures

Each figure is dated with the day it was read. A local figure moves whenever the statute or the local ordinance does, so confirm it with the office that grants it before you rely on it. Statute verified gives the day the weekly section check last found the statute standing on the legislature’s own code site; a figure without it rests on a statute the check does not read yet.

Dated figures for Native American Direct Loan (NADL)
Figure	Amount	Read from
NADL interest rate, as posted	from 2.47%38 U.S.C. 3762	Native American Direct Loan (NADL) programRead 2026-10-08

Sources

Native American Direct Loan (NADL) programOfficial

Updated

Last updated 2026-10-08.

What changed then:

First published.

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Disclaimer

VetTOC is not affiliated with the U.S. Department of Veterans Affairs or the Department of Defense. Information is for reference only and is not an eligibility determination. Verify with VA, the relevant state or territory, or an accredited VSO.