HOME LOAN

Loans for the purchase of new or existing homes including manufactured homes on or off tribal lands. Enrolled status in a federally recognized tribe, homebuyer education class and other requirements for certain products and down payment assistance. Valid homesite lease and utilities required.

AMOUNT: 97.75% of Value
TERM: 30 Years
MAX DTI: 41%
RATES: Prevailing Market Rates
INCOME: No Income Limit

Terms reflect by HUD 184 product parameters. However, NCC home loan products may vary based on other investor requirements or guidelines.

NMLS ID #1950947

Equal Housing Lender

CONSTRUCTION LOAN

Loans for the construction of new homes or rehabilitation / additions to existing homes on or off tribal lands. Enrolled status in a federally recognized tribe, homebuyer education class and other requirement for certain products and down payment assistance. This product may be paired with a longer-term mortgage loan.

AMOUNT: 97.75% of Value
TERM: 30 Years
MAX DTI: 8%
INCOME: No Income Limit

Terms reflect HUD 184 loan parameters. However, NCC home loan products may vary based on other investor requirements or guidelines.

NMLS ID #1950947

Equal Housing Lender

REFINANCE LOAN

Rate/Term Refinance, Cash Out Refi, or Streamline Refinances.  Refinance allows for debt consolidation, home improvement, or equity cash out.  Appraisal required.  Investor guidelines to prevail over qualifying LTV ceiling.

AMOUNT: 97.75% of Value for Rate/Term Refi

85% of Value for Cash-Out Refi

TERM: 30 Years
MAX DTI: 41%
RATES: Prevailing Market Rates
INCOME: No Income Limit

Terms reflect HUD 184 loan parameters. However, NCC home loan products may vary based on other investor requirements or guidelines.

NMLS ID #1950947

Equal Housing Lender

DEBT CONSOLIDATION LOAN

Loan applicants who do not immediately qualify for a home or small business loan may be eligible for a one-time debt consolidation loan upon completion of a financial literacy class and credit counseling.

AMOUNT: $10,000 Max
TERM: Up to 60 Months
RATES: 8% – 12%+
FEES: 2.5% Origination & Other Fees

Terms listed are generalized.

NMLS ID #1950947

Equal Housing Lender