Native American Direct Loan (NADL)

The NADL is the VA's only direct-lending program. If you're a Native American veteran (or a veteran married to one) buying or building on federal trust land, this is often the strongest financing option in the country.

What you get

• Loan issued directly by the VA (not a bank)
• Available on federal trust land
• $0 down, no PMI, competitive fixed rate
• Also usable to improve or refinance

How it works

1. 1
   Prequalify in 15 minutes.

   No commitment. Real numbers. Submitting this inquiry does not authorize a credit pull.
2. 2
   Get your COE.

   We pull it for you in most cases through the VA's system.
3. 3
   Close with a dedicated loan officer.

   Timelines vary by file, property, and underwriting — your loan officer will give you a schedule specific to your transaction.