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
NOTE: THESE FUNDS ARE CONTINGENT UPON FUNDING ALLOCATIONS.
**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.
Complete the applications and schedule an appointment with one of our loan officers.
COVID-19 Deferral Process for Loans
July 1, 2020
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
Leanne Jordan, Financial Accounts Specialist
Lisa Rauschenbach, Residential & Finance Area Manager