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VA » Veterans Benefits Administration » VA Home Loans » NADL/NADL MOU » Native American Direct Loan (NADL) - Tribes with Memorandums of Understanding (MOUs)

VA Home Loans

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 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:

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.

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.