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.

Down Payment and Closing Cost Assistance available to eligible borrowers.

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