No down payment
No down payment is required in most cases.
← All Homeownership Programs
A direct, government-administered VA program
Native American Direct Loan (NADL)
The Native American Direct Loan program provides direct financing through the U.S. Department of Veterans Affairs for eligible Veterans and certain spouses to buy, build, or improve a home on qualifying federal trust land. VA, not Operation T.A.G. or PRMG, administers the NADL program.
No private mortgage insurance
The VA program does not require monthly PMI.
30-year fixed rate
A fixed-rate mortgage is available under the program.
Limited closing costs
VA describes closing costs as limited; fees may still apply.
Reusable benefit
Eligible borrowers may be able to use NADL again for another qualifying residence.
NADL refinance
The program may allow refinancing an existing NADL to reduce its interest rate.
Interest-rate update
VA announced the NADL interest rate changed to 2.47% for loans closing on or after October 1, 2026. VA says the rate applies for the life of the loan. This is a VA-published interest rate, not an APR quote or an offer from Operation T.A.G. Verify the current rate and all applicable charges directly with VA before applying.
Read VA’s rate announcement ↗Who may qualify
VA requirements apply
Current VA guidance says an eligible Native American Veteran, or a non-Native American Veteran married to a Native American, may qualify if all applicable requirements are met. Eligibility and the service member or Veteran’s specific circumstances must be confirmed with VA.
- The Veteran, or the Veteran’s spouse, must meet VA’s Native American eligibility rules.
- The tribal government must have an agreement (MOU) with VA for the trust lands where the home is located.
- The borrower needs a valid VA home loan Certificate of Eligibility (COE).
- The borrower must meet VA credit standards and demonstrate sufficient income for the mortgage and homeownership costs.
- The borrower must live in the home on federal trust land being purchased, built, or improved.
How to apply
Start with the VA
- Review VA’s current NADL eligibility rules.
- Request a VA home loan Certificate of Eligibility if you don’t already have one.
- Contact an NADL coordinator to confirm tribal MOU coverage and begin the direct VA application process.
VA NADL coordinators: NADL@va.gov or 888-349-7541.
Important distinction
NADL is a direct loan program administered by the U.S. Department of Veterans Affairs. It is not a PRMG lending-partner program, and Operation T.A.G. does not administer, approve, fund, or service NADL loans. This page is educational information only. VA controls eligibility, rates, terms, application procedures, and program availability. A VA funding fee may apply. Confirm current details with the official VA program before relying on this summary.
Visit VA.gov for authoritative program guidance ↗Questions about this program?
For authoritative eligibility rules, current rates, and the application process, go directly to the VA’s NADL program. Operation T.A.G. does not administer or approve this program.