Native American Lending Programs

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1. Applicant	2. Lender	3. Applicant	4. Tribe
Applies for Residential Loan	Reviews loan application for approval	Upon approval, apllies with the Tribe for residential lease on trust land	Review of lease application for approval and certification
5. Applicant	6. Applicant	7. Tribe	8. Tribe
Coordinates with tribe for completion of documents necessary for Environmental / Historical / Cultural compliance	Enters into purchase agreement or coordinates home construction	Prepares Residential Lease package that includes application, tribal resolution, legal description, map, acreage, and Environmental / Historical/ Cultural compliance	Submits package to Governor and BIA for approval with required documents attached
9. BIA	10. Lender	11. Lender	12. BIA
Provides thechical assistance resulting in review and approval. Upon approval record at BIA LTRO and request TSR provided to applicant, tribe and lender with assigned lease number	Request Case Number (case number requested simultaneously when application is under review)	Lease, including attachments, and loan application to ONAP. Upon ONAP approval sends pre-approved mortgage to BIA for review	Issues "Letter of Commitment to Approve Leashold Mortgage"
13. Lender	14. BIA	15. BIA	16. Lender
Upon receipt of "Letter of Commitment of Approve Leasehold Mortgage" closes loan and sends signed mortgage documents to BIA for approval	Issues "Certificate of Approval Leashold Mortgage" based on terms of the "Commitment to Approve"	Records mortgage documents and certified TSR. Sends copy of recorded mortgage documents and certified TSR to lender.	Sends complete loan package to ONAP

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