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Loan Program

Whether you’re a first-time homebuyer or looking to build a home, this is one of the biggest decisions of your life.  It’ll be a place where memories are made.

Mortgage loans are available for the following purposes:

  • Purchase of a home
  • Construction of a home
  • Home Repairs
  • Equity Loan
  • Down payment Loan for use in coordination with the Section 184 Loan Program

**Elders and Oneida Veterans may receive a discounted interest rate on specific loan types.

To be eligible:

  • You must be an Oneida Tribal Member
  • The home must be on land owned by the Oneida Nation
  • Applicants are required to have a Transunion credit rating of 550 or more.
  • To have a debt to income ratio of 36% or lower

Please contact the Comprehensive Housing Division to speak directly to a loan officer for more information on eligibility requirements, financial qualification, interest rates, maximum loans amounts, and all other questions.

Grace Delgado
[email protected]

Michelle Hill
[email protected]

Complete the applications and schedule an appointment with one of our loan officers.

Loan Application Packet

Mortgage Programs Rule

Mortgage and Foreclosure Law

COVID-19 Deferral Process for Loans

July 1, 2020

CHD Mortgagees:

As the effects of the COVID-19 pandemic continue to affect our Nation and people, the Comprehensive Housing Division has implemented an Emergency Deferral Option. This option is available to those experiencing a financial hardship and can prove a loss of income. This option can begin accepting requests July 1, 2020 – January 31, 2021.

If you are experiencing difficulties making loan/mortgage payments, please contact CHD finance staff at:

Rebecca Skenandore, Senior Collections Specialist

[email protected]


Leanne Jordan, Financial Accounts Specialist

[email protected]


Lisa Rauschenbach, Residential & Finance Area Manager

[email protected]


Additional/Contact Info