Native American Direct Loan (NADL)

The Department of Veterans Affairs—not Bolt Home Loans LLC—originates and manages the Native American Direct Loan for an eligible Native American Veteran or a non-Native American Veteran married to a Native American. Eligibility depends on the applicant, a current MOU between VA and the tribe or governing body responsible for the eligible land, federal trust land, income and credit review, intended occupancy, and the requested use.

What you get

• ✓Loan issued directly by the VA (not a bank)
• ✓Available on federal trust land
• ✓The tribe or governing body responsible for the eligible land must have a current MOU with VA
• ✓Refinancing is limited to an existing NADL for a lower interest rate
• ✓VA verifies COE, credit, income, and primary occupancy
• ✓A VA funding fee may apply unless the applicant is exempt

How to start with VA

Bolt Home Loans LLC does not originate, broker, approve, or manage NADLs. The applicant works directly with VA and its NADL coordinator.

1. 1
   Check the land agreement.

   Use VA's live MOU list. If the tribe or governing body responsible for the eligible land is not listed, ask the NADL coordinator and that governing body to verify whether an agreement applies; do not assume VA will establish a new MOU.
2. 2
   Request a Certificate of Eligibility.

   VA uses the COE to confirm home-loan benefit eligibility based on the applicant's service record.
3. 3
   Prepare for VA's review.

   Gather income and credit records, the intended occupancy plan, and available land or property information for the coordinator conversation. VA will identify the definitive paperwork it needs.
4. 4
   Contact an NADL coordinator.

   Call 888-349-7541 (TTY: 711) or email NADL@va.gov to start the VA process and obtain case-specific instructions.