Native American Direct Loan (NADL) - Tribes with Memorandums of Understanding (MOUs)

Before the Department of Veterans Affairs (VA) can consider a NADL application from a Veteran living on Federal Trust Land, VA and the tribe or sovereign body governing the Federal Trust Land where the home is or will be located must enter into a Memorandum of Understanding (MOU).

The MOU sets out the rights and responsibilities of both Government’s with respect to access to the land, default and foreclosure proceedings, and other legal rights and obligations.

Note: Your Tribe must be Federally-recognized. Tribes recognized by a State, but not by the Federal Government, are not eligible for this program.

Additionally, Natives of Hawaiian Homelands, American Samoa, Commonwealth of the Northern Marianas and Guam are eligible for the NADL benefit.

Federal Trust LandLand that is held in trust by the U.S. Government for Native Americans.

• Land subject to restrictions on alienation imposed on Indian or Native Hawaiian lands by the U.S. Government.
• Land that is owned by a Regional Corporation or a Village Corporation, as such terms are defined in section 3(g) and 3(j) of the Alaska Native Claims Settlement Act, respectively (43 U.S.C. 1602(g), (j)).
• Land that is, by cultural tradition, communally-owned and located on an island in the Pacific Ocean.

NADL Marketing Factsheets

When reaching out to Veterans about the NADL benefit, feel free to share any of the factsheets below:

• Arid regions
• Tropical regions
• Great Plains
• Snow-covered regions

Is your Tribe interested in NADL?

If you are a member of a Tribe without a MOU and are interested in using the NADL Program, please contact the NADL Team at nadl@va.gov or call 1-888-349-7541.

You can download draft language for a NADL MOU here .

List of current NADL MOUs

Below are the Tribes with a MOU with VA along with a link to the Tribal government website. For more information on how to obtain a NADL, please email us at nadl@va.gov or call 1-888-349-7541.

Alaska

• Metlakatla Indian Community - http://www.metlakatla.com/

American Samoa

• American Samoa - http://www.americansamoa.travel/

Arizona

• Colorado River Indian Tribes - http://www.crit-nsn.gov/
• Fort Mojave Indian Tribe - http://mojaveindiantribe.com/
• Gila River Indian Community - http://www.gilariver.org/
• Hopi Tribe - http://www.hopi-nsn.gov/
• Hualapai Indian Nation - http://hualapai-nsn.gov/
• Navajo Nation - http://www.navajo-nsn.gov/index.htm
• Pascua Yaqui Tribe - http://www.pascuayaqui-nsn.gov/
• Salt River Pima-Maricopa Indian Community - http://www.srpmic-nsn.gov/
• San Carlos Apache Tribe - http://www.sancarlosapache.com/home.htm
• White Mountain Apache Tribe - http://www.wmat.nsn.us/
• Yavapai-Apache Nation - http://yavapai-apache.org/

California

• Fort Mojave Indian Tribe - http://mojaveindiantribe.com/
• Hoopa Valley Tribe - https://www.hoopa-nsn.gov/
• Morongo Band of Mission Indians - http://www.morongonation.org/
• Soboba Band of Luiseño Indians - https://www.soboba-nsn.gov/housing
• Tolowa Dee-ni’ Nation - http://www.tolowa-nsn.gov/

Colorado

• Southern Ute Indian Tribe - https://www.southernute-nsn.gov/
• Ute Mountain Ute Tribe - http://www.utemountainutetribe.com/

Florida

• Seminole Tribe of Florida - http://www.semtribe.com

Guam

• Guam - http://www.guam.gov/

Hawaii

• Department of Hawaiian Home Lands - http://dhhl.hawaii.gov/

Idaho

• Nez Perce Tribe - http://www.nezperce.org/index.html
• Shoshone-Bannock Tribes - http://www.sbtribes.com/

Kansas

• Prairie Band of Potawatami Nation - http://www.pbpindiantribe.com/

Maine

• Passamaquoddy Tribe - http://www.passamaquoddy.com/

Michigan

• Bay Mills Indian Community - http://www.baymills.org/
• Grand Traverse Band of Ottawa & Chippewa Indians - http://www.gtbindians.org/default.asp
• Keweenaw Bay Indian Community - http://www.kbic-nsn.gov/
• Little Traverse Bay Band of Odawa Indians - https://ltbbodawa-nsn.gov/

Minnesota

• Bois Forte Band of Chippewa Indians - http://www.boisforte.com/
• Fond du Lac Band of Lake Superior Chippewa - http://www.fdlrez.com/
• Leech Lake Band of Ojibwe - https://llojibwe.org/
• Minnesota Chippewa Tribe-Grand Portage Band - https://www.mnchippewatribe.org/
• Upper Sioux Community - http://www.uppersiouxcommunity-nsn.gov/
• White Earth Nation - https://whiteearth.com/

Mississippi

• Mississippi Band of Choctaw Indians - http://www.choctaw.org/

Montana

• Blackfeet Nation - http://blackfeetnation.com/
• Chippewa Cree Tribe - http://tribalnations.mt.gov/chippewacree
• Crow Tribe of Montana - http://www.crow-nsn.gov/
• Fort Peck Assiniboine and Sioux Tribes - http://www.fortpecktribes.org/
• Fort Belknap Indian Community - http://www.ftbelknap.org/
• Northern Cheyenne Tribe - http://www.cheyennenation.com/
• The Confederated Salish and Kootenai Tribes of the Flathead Reservation - http://www.csktribes.org/

Nebraska

• Omaha Tribe of Nebraska - https://www.omahatribe.com/
• Winnebago Tribe of Nebraska - http://www.winnebagotribe.com/

Nevada

• Shoshone-Paiute - https://www.shopaitribes.org/spt/
• Yerington Paiute Tribe - https://www.yeringtonpaiute.us/

New Mexico

• Jicarilla Apache Nation 
• Mescalero Apache Tribe - http://mescaleroapachetribe.com/
• Ohkay-Owingeh Pueblo - http://ohkay.org/
• Pueblo of Acoma - https://www.puebloofacoma.org/
• Pueblo de Cochiti - https://cochiti.org/
• Pueblo of Isleta - http://isletapueblo.com/index.html
• Pueblo of Jemez - http://www.jemezpueblo.org/
• Pueblo of Laguna - http://www.lagunapueblo-nsn.gov/
• Pueblo of Nambe - http://nambepueblo.org/
• Pueblo of Picuris - http://www.picurispueblo.org/
• Pueblo of Pojoaque - http://pojoaque.org/
• Pueblo of Sandia - http://www.sandiapueblo.nsn.us/
• Pueblo of Santa Ana - http://www.santaana-nsn.gov/
• Pueblo of Santa Clara 
• Pueblo of Zia - http://zia.com/home/zia_info.html
• Pueblo of Zuni - http://www.ashiwi.org/
• San Felipe Pueblo - https://sfpueblo.com/
• Santo Domingo Pueblo (Kewa Pueblo) - https://santodomingotribe.org/
• Taos Pueblo - http://taospueblo.com/

New York

• St. Regis Mohawk Tribe - http://www.srmt-nsn.gov/

North Carolina

• Eastern Band of Cherokee Indians - https://ebci.com/

North Dakota

• Standing Rock Sioux Tribe - http://standingrock.org/
• Three Affiliated Tribes of the Ft Berthold Reservation - http://www.mhanation.com/
• Turtle Mountain Band of Chippewa Indians - http://tmbci.org/

Northern Marianas

• Commonwealth of the Northern Marianas - https://www.nmhcgov.net/

Oklahoma

• Muscogee Creek Nation - http://www.muscogeenation-nsn.gov/index.html
• Osage Nation - https://www.osagenation-nsn.gov/
• Ponca Tribe of Indians of Oklahoma - http://www.ponca.com/home.html
• Seminole Nation of Oklahoma - http://sno-nsn.gov/

Oregon

• Confederated Tribes of the Warm Springs - https://warmsprings-nsn.gov/program/hud-and-tribal-housing/
• Confederated Tribes of the Umatilla Indian Reservation - http://ctuir.org/
• Coquille Indian Tribe - http://www.coquilletribe.org/

South Carolina

• Catawba Indian Nation - https://www.catawba.com/

South Dakota

• Cheyenne River Sioux Tribe - https://www.cheyenneriversiouxtribe.org/
• Crow Creek Sioux Reservation - http://www.crowcreekconnections.org/
• Flandreau Santee Sioux Tribe - https://fsst-nsn.gov/
• Lower Brule Sioux Indian Reservation - https://www.lowerbrulesiouxtribe.com/
• Oglala Sioux Tribe - http://www.oglalalakotanation.org/index.html
• Rosebud Sioux Tribe - http://www.rosebudsiouxtribe-nsn.gov/
• Sisseton-Wahpeton Oyate -  http://www.swo-nsn.gov/
• Yankton Sioux Tribe - http://www.yanktonsiouxtribe.net/

Texas

• Alabama-Coushatta Tribe of Texas - https://www.alabama-coushatta.com/
• Ysleta del Sur Pueblo - http://www.ysletadelsurpueblo.org

Utah

• Ute Indian Tribe - http://www.utetribe.com/

Washington

• Confederated Tribes and Bands of the Yakama Nation - https://www.yakama.com/
• Confederated Tribes of the Colville Reservation - http://www.colvilletribes.com/
• Lummi Tribe - https://www.lummi-nsn.gov/
• Makah Indian Tribe - https://makah.com/
• Nooksack Indian Tribe - https://nooksacktribe.org/
• Puyallup Tribe - http://www.puyallup-tribe.com/
• Quinault Indian Nation - http://www.quinaultindiannation.com/
• Skokomish Indian Tribe - http://www.skokomish.org/
• Spokane Tribe of Indians - http://www.spokanetribe.com/
• Swinomish Tribal Community - http://www.swinomish.org/
• Suquamish Indian Tribe of the Port Madison Reservation - http://www.suquamish.nsn.us/
• Tulalip Tribes of Washington - https://www.tulaliptribes-nsn.gov/

Wisconsin

• Bad River Band of Lake Superior Tribe of Chippewa Indians - http://www.badriver-nsn.gov/
• Ho-Chunk Nation - https://ho-chunknation.com/
• Lac Courte Oreilles Band of Lake Superior Chippewa Indians - https://www.lcotribe.com/
• Lac du Flambeau Band of Lake Superior Chippewa Indians - https://www.ldftribe.com/
• Menominee Indian Tribe - http://www.menominee-nsn.gov/
• Oneida Tribe of Indians of Wisconsin - https://oneida-nsn.gov/
• Red Cliff Band of Lake Superior Chippewa Indians - http://www.redcliff-nsn.gov/
• Sokaogon Chippewa Community - http://www.glitc.org/tribes/sokaogon

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