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Native American Homeownership Preparedness

We are finding valuable ways to expand access to much-needed information and resources to help more Native Americans achieve their homeownership goals.

Working together to support more Native American communities

Along with our partners, we’re helping to make sustainable homeownership possible for more Native Americans by providing access to homebuyer education and financial education. Listen to the podcast and read the insights article on the social and historic homeownership challenges that Native Americans face and how we're finding solutions to these barriers.

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The HeritageOne℠

The HeritageOne℠ mortgage offering is an innovative financing solution designed to meet the borrowing needs of members of federally recognized Native American tribes living in tribal areas.

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Native American Housing Panel Webinar

Listen to a conversation with Danny Gardner, Senior Vice President Mission and Community Engagement and industry leaders discuss affordable and sustainable housing for Native Americans. To access the recording, the password is Freddie01!.

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Empowering Native American Communities with Lending and Homeownership Opportunities

Watch subject-matter experts as they discuss challenges and solutions for Native American homeownership.

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A Duty to Serve: Sustainable Native American Homeownership

Listen to the podcast on limitations of homeownership on Native American reservations, COVID-19 impact on housing and efforts underway to prepare borrowers on Native American reservations to be successful homebuyers.

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Enhancing and Implementing Homeownership Programs in Native Communities Curriculum​

The curriculum provides best practices and insights on developing homeownership opportunities in Native American communities.

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The Tribal Leaders Handbook on Homeownership

The handbook helps Native Americans navigate the homeownership process on tribal lands.

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Building Native Communities: Financial Empowerment for Teens & Young Adults

The curriculum focuses on building crucial financial skills for youth around 14-22 years of age.

Mortgage Products and Resources

HeritageOne℠ Mortgage

The HeritageOne℠ mortgage offering is an innovative financing solution designed to meet the borrowing needs of members of federally recognized Native American tribes living in tribal areas.

Assessing Homebuyer Education for Native Americans in Tribal Areas

This report evaluates the effectiveness of working in partnership with well-established Native American housing intermediaries to develop and expand access to financial and homebuyer education to help increase the number of people in tribal areas who are mortgage‐ready.

Home Possible®

The Freddie Mac Home Possible® mortgage offers more options and credit flexibilities than ever before to help your very low-to low-income borrowers attain the dream of owning a home with a down payment as low as 3%.

HomeOne® Mortgages

Available to qualified first-time homebuyers for a low down payment of just 3%, HomeOne® is a low down payment option that serves the needs of many first-time homebuyers.

Affordable Seconds®

Freddie Mac Affordable Seconds® is designed to help meet the needs of borrowers who require flexible secondary financing options to increase their homeownership opportunities.

HFA Advantage® Program

The Freddie Mac HFA Advantage® mortgage is a conventional mortgage product available exclusively to housing finance agencies (HFAs) seeking strategic solutions to diversify their product offerings and portfolio mix while expanding homeownership responsibly.

Sweat Equity for Down Payment and Closing Costs

We've expanded our Freddie Mac Home Possible® offering to provide more flexibility around the use of sweat equity which allows for no limit on the amount of sweat equity that borrowers can apply toward a down payment and closing costs, as long as it is documented in the contract and appraisal.

CHOICERenovation® Mortgages

CHOICERenovation allows lenders to deliver loans to Freddie Mac where the borrower uses the loan proceeds to pay for the renovations.

GreenCHOICE® Mortgages

Our GreenCHOICE Mortgage® offering helps families facilitate the financing of energy efficient home improvements and energy efficient homes.

South Dakota Native Homeownership Coalition Lender Survey

This Survey evaluate the barriers and opportunities for lenders providing mortgage financing on Indian trust land.

South Dakota Native Homeownership Coalition Practitioner Needs Assessment

The practitioner assessment was designed to address challenges faced by housing practitioners, potential homeowners, the Coalition and members and tribal leadership.

CreditSmart® Homebuyer U

The tutorial offers a comprehensive homeownership education course with enriched content and an improved user experience. CreditSmart®Homebuyer U offers six modules, each focused on key learning principles to promote education, homebuyer preparedness and financial management.

Freddie Mac Learning

We offer training resources designed to provide the guidance you need to succeed.

My Home Path Journal

The South Dakota Native Homeownership Coalition has provided a journal for homebuyers to use as they take steps toward homeownership.

My Home by Freddie Mac®

We're providing essential information and resources to guide you at every stage of your home journey.

Rural housing FAQ

We're answering frequently asked questions regarding the rural housing industry.

NextJob Fact Sheet - Existing Homeowner

The NextJob program helps existing homeowners by addressing unemployment for Freddie Mac Home Possible® borrowers living in specific high-needs Duty to Serve areas who are experiencing employment challenges.

NextJob Fact Sheet - HFA Advantage® Homeowner

The NextJob program helps existing Freddie Mac HFA Advantage® program borrowers living in specific high-needs Duty to Serve areas who are experiencing employment challenges.

Credit Builders Alliance

With Freddie Mac support, Credit Builders Alliance (CBA), in collaboration with National American Indian Housing Council (NAIHC), is working to assist Tribally Designated Housing Entities (TDHEs) or Tribal Housing Departments (THDs) in initiating rent reporting activities in order to help low-to-moderate income renter households living in tribal lands build credit histories.

Building Native Communities: Financial Empowerment for Teens and Young Adults.

Building Native Communities: Financial Empowerment for Teens & Young Adults, was developed in partnership with First Nations Development Institute and Freddie Mac. The curriculum focuses on building crucial financial skills for youth in Native American communities which include developing a spending plan, money management, saving for an education or emergencies, and buying a home.

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