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Community Developments Investments (September 2016)

Banner for Housing Financing in Indian Country: Spotlight on HUD's Title VI Program

This Community Developments Investments spotlights the U.S. Department of Housing and Urban Development’s (HUD) Title VI Loan Guarantee (Title VI) Program, which provides an additional source of funding for Indian tribes receiving federal Indian Housing Block Grants for affordable housing activities. This Investments also explains how two banks have used the Title VI program—and how other banks can as well—to provide housing financing in Indian Country.

A Look Inside: Access to capital and affordable housing are in short supply in Indian Country. HUD’s Title VI program—working collaboratively with tribes, banks, and other federal programs—is promoting housing financing in Indian Country to improve living conditions in Native communities, which are among the poorest in the nation. By participating in the Title VI program, banks can expand their markets and make a critical difference in the lives of these communities.


  Construction workers building house
Title VI Loan Guarantee Program: How the program works, what it has accomplished, and how, by participating in it, banks can support affordable housing in Indian Country.


  Construction of new house
Title VI Loan Guarantee Program: A Source of Hope on Pine Ridge: First National Bank of Gordon, Neb. serves Native Americans living on the Pine Ridge Indian Reservation. In this article, the bank describes a Title VI deal with an Oglala Sioux tribal entity that is creating affordable housing for Pine Ridge residents and helping the bank’s bottom line as well.


  New homes for Pine Ridge community
Fostering Economic Growth in Native American and Other Underserved Communities: Bank of America takes a “holistic” approach to financing affordable housing in Indian Country, a strategy that requires understanding the culture and needs of Native American communities.


  Workers building house