Santa Clara Pueblo Tribal Council has passed a Resolution on the Mortgage 184 program for Santa Clara Pueblo. Santa Clara Pueblo Housing Authority has partnered with Bank of Albuquerque to present the Mortgage 184 Home Loan Program. It is designated to promote home ownership for Native Americans. 

Program highlights include:

  • Low down payment
  • Low monthly mortgage insurance
  • For purchase of an existing home or refinance


  • Must be a enrolled Santa Clara Pueblo tribal member
  • Must own land
  • Must have Deed of home
  • Credit based

Process of Mortgage 184:

Step 1: Applicant Eligibility

Applicant needs to be pre-qualified by a lender or an approved housing counseling agency. Income, credit and repayment ability of the applicant will be reviewed for supporting documentation (Check stubs, W-2, Tax returns, utility statements, and/or rental receipts).

Step 2: Site Survey

Applicant will get in contact with their Tribe to identify the buildings site for site surveying. The building site or home may be on existing or new land assignment.

Step 3: Ordering title status report (TSR) and Environmental Clearances

The tribe will submit the survey to their local BIA agency office to request a TSR and environmental clearances. This report will identify the owner’s property. 

Step 4: Plans and Specifications

The applicant will obtain a building and site plan, specifications and construction bids (if construction is involved) and will gather the lenders required personal information white the BIA land clearances are in process.

Step 5: Residential Lease

The tribal government approves the Residential lease, usually through a Tribal Council Resolution. The lease is then signed by the applicant and Tribal officials. Once it is approved then BIA will approve and sign stating all requirements are met.

Step 6: Loan Approval

The lender will need to approve the residential lease, TSR, Environmental clearance, and the real estate appraisal to approve the loan. The applicant must complete all lender requirements and pay any application fees before the loan is approved. 

Step 7: Loan Closing

After all information is complete and the loan is approved, the applicant will need to pay the closing cost and down payment at closing. A title company or escrow agent – and not the lender – will actually close the loan and, if required, issue a title insurance policy.

For more information please call or stop by our office for more information. 

This program assists homeowners with housing repair needs by providing rehabilitation assistance. Home rehabilitation or improvements can be made to bring a home up to modern living standards. SCPHA works with the homeowner to determine the housing need and administers the construction repairs of the home.


  • Must be enrolled tribal member
  • Must meet HUD income guidelines
  • Must own home and have deed
  • Must be primary residence
  • Application and  ALL required documents must be submitted

Housing Rehabilitation Application

More about the program:

The Santa Clara Pueblo Housing Authority has renovated about 100 homes within the past 13 years with an approximated cost of $7,500,000.

The eight homes in the Plaza area that were renovated are over 400 years old and as per requirement of the New Mexico Historic Preservation, the design and looks could not change. The materials that were used were of better quality but had to resemble the existing look. In the interior, the electrical had to be up to the New Mexico CID codes. The walls had to be re-plastered and painted, with new floor covering. The exterior required new roofs and re-plastered walls.

Most of the homes that are rehabilitated are old HUD homes. The concerns of the SCPHA are the safety, health and sub-standards of these homes. The exterior work concussed of roof replacement, replacement of windows (meeting egree in bedrooms), doors with storms, and plaster. The interior, if needed, included replacing the furnaces, water heaters, and appliances (range with hood and refrigerator). The electrical required replacing the outlet, light switches, and light fixtures.

Walls and ceiling were repainted before sealing with a semi-gloss white paint. Kitchen cabinets were refinished or replaced with a new counter top and stainless steel sink. Some bathrooms required converging for handy cap proposes, which included installing walk-in showers and replacing vanity/sinks and low flow toilets. New water lines, drain lines, shut-off valves, and faucets were installed. Carpet was installed in all bedrooms, living rooms and hallways. Vinyls were used in  the kitchen, bathrooms, and laundry/mechanical rooms.

Homes that were built before 1978 need to be tested for any lead base paint as per HUD polices and homes that are 50 years or older need the New Mexico Historic Preservation Division approval and follow their polices on renovating old homes.

This is equivalent to the MHOA, however, housing participants signed a Lease Purchase Agreement (LPA).  Homeowners have the responsibility to maintain their home and make timely housing payments, but they are not subject to financial recertification. SCPHA inspects their home annually. Once qualified in this program they maintain their home and pay the same monthly amount until they are paid off.

SCPHA provides housing services to eligible and qualified low-income families through its Mutual Help Occupancy Agreement.  This program provides housing ownership to eligible low income families but it is no longer in existence because it was replaced by NAHASDA program.