NADL Memorandum of Understanding | VA Loans
What Native American Tribes have a Memorandum of Understanding (MOU) with the Department of Veterans Affairs (VA)?
The Department of Veterans Affairs (VA) has approved Native American tribes with a Memorandum of Understanding (MOU) to participate in the VA's Native American Direct Loan (NADL) program. The NADL program provides home loans to eligible Native American veterans and their spouses.
Native American Direct Loan (NADL) is a program offered by the U.S. Department of Veterans Affairs (VA) to help eligible Native American veterans purchase, build, or improve a home on Federal Trust Land. The NADL program is designed to assist Native American tribes, and their members in achieving their dream of homeownership.
The NADL program is available to members of federally recognized tribes, Alaska Native villages, or regional corporations who are veterans, current service members, or eligible surviving spouses of deceased veterans. The program provides competitive interest rates and requires no down payment or private mortgage insurance.
Previously, only tribes with a government-to-government relationship with the VA were eligible to participate in the NADL program. However, this new policy will allow tribes with an MOU to participate in the program.
Under this Memorandum of Understanding, the tribe pledges to cooperate with the VA when determining VA loan eligibility on loan applications and examining the underwriting documents involved. The VA will offer training opportunities, technical advice, and resources to help them participate effectively in the program.
With this policy alteration, more Native American tribes will now be eligible to join the program and grant access to home loans for their Veteran community members and spouses. We affirm our commitment to honoring Native Americans' rights while amplifying housing opportunities! This is critical in understanding the sovereignty of Indigenous peoples and nations by enabling them to collaborate with federal organizations such as the VA.
At the time of this writing the following Native American Tribes have their Memorandum of Understanding:
Alaska:
Metlakatla Indian Community
American Samoa:
American Samoas
Arizona:
Colorado River Indian Tribes
Fort Mojave Indian Tribe
Gila River Indian Community
Hopi Tribe
Hualapai Indian Nations
Navajo Nation
Pascua Yaqui Tribe
Salt River Pima-Maricopa Indian Community
San Carlos Apache Tribe
White Mountain Apache Tribe
Yavapai-Apache Nation
California:
Fort Mojave Indian Tribe
Hoopa Valley Tribe
Morongo Band of Mission Indian
Soboba Band of Luiseno Indians
Tolowa Dee-ni’ Nation
Colorado:
Southern Ute Indian Tribe
Ute Mountain Ute Tribe
Florida:
Seminole Tribe of Florida
Guam:
Citizens of Guam
Hawaii:
Department of Hawaiian Home Lands
Idaho:
Nez Perce Tribe
Shoshone-Bannock Tribes
Kansas:
Prairie Band of Potawatami Nation
Maine:
Passamaquoddy Tribe
Michigan:
Bays Mills Indian Community
Grand Traverse Band of Ottawa
Chippewa Indians
Keweenaw Bay Indian Community
Little Traverse Bay Band of Odawa Indians
Minnesota:
Bois Forte Band of Chippewa Indians
Fond du Luc of Lake Superior Chippewa
Leech Lake Band of Ojibwe
Minnesota Chippewa Tribe-Grand Portage Band
Upper Sioux Community
White Earth Nation
Mississippi:
Mississippi Bank of Choctaw Indians
Montana:
Blackfeet Nation
Chippewa Cree Tribe
Crow Tribe of Montana
Fort Peck Assiniboine and Sioux Tribes
Fort Belknap Indian Community
Northern Cheyenne Tribe
The Confederated Salish and Kootenai Tribes of Flathead Reservation
Nebraska:
Omaha Tribe of Nebraska
Winnebago Tribe of Nebraska
Nevada:
Shoshone-Paiute Tribe
New Mexico:
Jicarilla Apache Nation
Mescalero Apache Tribe
Ohkay-Owingeh Pueblo
Pueblo of Acoma
Pueblo of Cochiti
Pueblo of Isleta
Pueblo of Jemez
Pueblo of Laguna
Pueblo of Nambe
Pueblo of Picuris
Pueblo of Pojoaque
Pueblo of Sandia
Pueblo of Santa Ana
Pueblo of Santa Clara
Pueblo of Zia
San Felipe Pueblo
Santo Domingo Pueblo (Kewa Pueblo)
Taos Pueblo
New York:
St Regis Mohawk Tribe
North Carolina:
Eastern Band of the Cherokee Indians
North Dakota:
Standing Rock Sioux Tribe
Three Tribes of the Fort Berthold Reservation
Turtle Mountain Bank of Chippewa Indians
Northern Marianas:
Commonwealth of the Marianas
Oklahoma:
Muscogee Creek Nation
Osage Nation
Ponca Tribe of Indians of Oklahoma
Seminole Nation of Oklahoma
Oregon:
Confederated Tribes of the Warm Springs
Confederated Tribes of the Umatilla Indian Reservation
Coquille Indian Tribe
South Carolina:
Catawba Indian Nation
South Dakota:
Cheyenne River Sioux Tribe
Crow Creek Sioux Reservation
Flandreau Santee Sioux Tribe
Lower Brule Sioux Indian Reservation
Oglala Sioux Tribe
Rosebud Sioux Tribe
Sisseton-Wahpeton Oyate
Yankton Sioux Tribe
Texas:
Alabama-Coushatta Tribe of Texas
Ysleta Del Sur Pueblo
Utah:
Ute Indian Tribe
Washington:
Confederated Tribes and Bands of the Yakama Nation
Confederated Tribes of the Colville Reservation
Lummi Tribe
Makah Indian Tribe
Nooksack Indian Tribe
Puyallup Tribe
Quinault Indian Nation
Skokomish Indian Tribe
Spokane Tribe of Indians
Swinomish Tribal Community
Suquamish Indian Tribe of Port Madison Reservation
Tulalip Tribes of Washington
Wisconsin:
Ho-Chunk Nation
Lac Courte Oreilles Band of Lake Superior Chippewa Indians
Lac du Flambeau Band of Lake Superior Chippewa Indians
Menominee Indian Tribe
Oneida Tribe of Indians, Wisconsin
Red Cliff Band of Lake Superior Chippewa Indians
Sokaogon Chippewa Community
History of Native American Military Personnel
Native Americans have a long history of serving in the United States military. Despite facing oppression, discrimination, and forced assimilation, many Native Americans have enlisted in the military throughout the country's history.
Native Americans have served in every major conflict and war involving the United States since the American Revolution. They have fought bravely on the front lines, serving as code talkers, snipers, and scouts. Native Americans have also received many military honors and decorations for their service, including the Medal of Honor.
However, Native Americans' experiences in the military have not always been positive. Many were forcibly removed from their lands to make way for military installations. Their cultures and languages were suppressed in government-run boarding schools. Additionally, the government's mistreatment of Native Americans has led to distrust and resentment, making it challenging for many to reconcile their military service with their Indigenous identity.
Despite the challenges that Native American soldiers face, their contributions to the United States military cannot be ignored. Native Americans still serve in the military more than any other ethnic group. While many enlist out of duty and patriotism, others see military service as a way to improve their lives and communities.
Conclusion of NADL VA Programs and the Native American Tribes.
The above list is quite extensive. The amount of Native American Tribes coming into agreement with the Department of Veteran Affairs is an excellent improvement for the Native American Culture. The NADL VA Native American Tribes MOU is a groundbreaking agreement that provides tribal veterans with access to the benefits and services they need.
This mutual understanding, a legal document between the Native American Tribes and government agencies, is a step in the right direction. The MOU is a formal, legally binding contract and mutual agreement to provide Native Americans a chance to get ahead in the present-day United States.
This MOU process has already impacted tribal veterans' lives, providing them with home loans, healthcare, education assistance, employment opportunities, and more. By signing this agreement, these tribes have taken a huge step towards ensuring their veteran members can purchase a home and receive proper care and recognition for their service. Our expert VA mortgage officers are available to assist with any questions you may have.
