Loan Guarantees for Native Hawaiian Housing (Section 184A)What is the Section 184A Native Hawaiian Housing Loan Guarantee Program?
The Hawaiian Homelands Homeownership Act of 2000 adds a new Section 184A to the Housing and Community Development Act of 1992 which authorized the Native Hawaiian Housing Loan Guarantee Program. The regulations for Section 184A was published as an Interim Rule on June 13, 2002, and are found at 24 CFR part 1007. The program is designed to offer home ownership, property rehabilitation, and new construction opportunities for eligible Native Hawaiian individuals and families wanting to own a home on Hawaiian home lands.
The purpose of the Section 184A loan is to provide access to sources of private financing on Hawaiian home lands. Section 184A permits HUD to guarantee 100% of the unpaid principal and interest due on an eligible loan. The use of the Section 184A Loan Guarantee Program is limited to owner-occupant single family dwellings located on Hawaiian home lands.
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What's New
OLG INFO Announcement 2024-20- Section 184, Section184A and Title VI Programs Open for Fiscal Year 2025
The financial closeout process is now complete. We are pleased to announce that on October 3, 2024, ONAP opened the Section 184, Section 184A and Title VI programs for FY 2025. ONAP has resumed issuing Cohort Numbers for these programs. Any requests for Cohort Numbers received during the financial closeout period was prioritized by the date of the request – with the oldest request being processed first.
Dear Lender Letter 2024- 08- Office of Loan Guarantee Fiscal Year (FY) 2024 Year End Closure
Informs Lenders and other stakeholders of the start of HUD’s FY 2024 financial closeout for the Section 184 Indian Housing Loan (Section 184), the Section 184A Native Hawaiian Housing Loan (Section 184A), and the Title VI Loan Guarantee (Title VI) programs.
Dear Lender Letter 2024-07- Extension of COVID-19 Loss Mitigation Options
On August 22, 2024, the Office of Loan Guarantee (OLG) issued Dear Lender Letter 2024- 07 to announce the extension of COVID-19 Loss Mitigation Options for the Section 184 and Section 184A programs.
Dear Lender Letter 2024-06- Section 184A Native Hawaiian Housing Loan Guarantee Program Properties Located within the Boundaries of the Waikoloa Maneuver Area Formerly Used Defense Site (WMA FUDS) on the Island of Hawaii.
The purpose of this Dear Lender Letter (DLL) is to inform Section 184A Native Hawaiian Housing Loan Guarantee Fund (Section 184A) Lenders of an update regarding Section 184A loan applications for certain properties located in the boundaries of the WMA FUDS.
Dear Lender Letter 2024-05- Third Extension of the Foreclosure Moratorium in Connection with the Presidentially Declared Major Disaster Area in Maui County, Hawaii
Properties located in Maui County, Hawaii, and guaranteed by the Section 184A program are subject to an extended foreclosure moratorium through January 1, 2025. The moratorium applies to the initiation of Section 184A mortgage assignments to HUD and to the completion of Section 184A mortgage assignments already in process.
Dear Lender Letter 2024-03- Native Advantage – release of the Loan Origination Module and Changes to the Business Process Related to the Release
The purpose of this Dear Lender Letter (DLL) is to inform Lenders participating in the Section 184 Indian Housing Loan Guarantee (Section 184) program and the Section 184A Native Hawaiian Housing Loan Guarantee (Section 184A) program of the upcoming release of the second component of Native Advantage, the Loan Origination Module, and changes to the Office of Native American Programs (ONAP) business process related to this release.
Dear Lender Letter 2024-02- Updated Appraisal Validity Periods
This Dear Lender Letter (DLL) extends the initial appraisal and appraisal update validity periods for Section 184 and Section 184A loans.
Dear Lender Letter 2024-01- Revised Maximum Loan Limits for Section 184 and Section 184A Loan Guarantee Program
The purpose of this Dear Lender Letter (DLL) is to update the maximum loan limits for the Section 184 Indian Home Loan Guarantee (Section 184) program and Section 184A Native Hawaiian Housing Loan Guarantee (Section 184A) program.
ONAP Catalyst
ONAP Catalyst is a new cloud-based platform that will build trust and efficiency through reliable and accurate data, facilitating a modern system for participating Section 184/184A direct guarantee lenders and servicers. Access the ONAP Catalyst resource page.
Lender Forms
Contact Us
For more information on the Section 184A Native Hawaiian Housing Loan Guarantee Program, please contact a Native Hawaiian Program Specialist, in the HUD Honolulu Field Office by clicking the following link to email:
Claudine Allen or by phone at (808) 457-4674
U.S. Department of Housing and Urban Development
1003 Bishop Street, Suite 2100
Honolulu, HI 96813
- Homebuyer Education Resources
- HUD Homebuying Kit
- ONAP Home
- NHHBG Program
- Quick Reference Guide to Office of Native American Programs