Residential Loans

Home Loan Purchase

FDDC offers multiple home lending options to help you get into the home of your dreams!  We have products available for homes on and off reservation. FDDC offers multiple home mortgage products to get you into a house that’s right for you.  We have the resources, information and services you need for your home purchase.

Down Payment Assistance

The Dawnland Down Payment Assistance Program, offered by Four Directions Development Corporation (FDDC), and sponsored by TD Bank, is designed to help eligible first-time homebuyers with their down payment and closing costs. The program provides a deferred, no-interest loan of up to $15,000 (eligible amount determined by the household area median income) for the term of the loan. This loan requires no monthly payments and is repayable only if the home is sold, refinanced, or transferred, at a pro-rated amount based on the length of ownership. **Must obtain a FDDC First Mortgage to qualify. First -Time Homebuyer Education is required.

First-time homebuyer Education is required for those who have not purchased or financed a home within the past three years.

Fixed Rate Mortgage

This might be right for you if you are purchasing a home, or if you are refinancing your existing home. Homebuyer Education workshops are required for first-time home buyers (meaning you have not purchased or financed a home within the past three years). Our fixed rate mortgages can be up to 30 years and have a constant interest rate and monthly principal and interest payments that never change.

Home Improvement Loan

Have expensive fixes to make around the house? Put the equity in your home to work for you! Home Improvement Loans can be secured on either first or second lien, and can be used for safety, accessibility, and improvements to your home!

Cabin/Camp Loans

Looking to buy or build your summer escape?  We offer fixed rate loans for second homes on tribal land.

Land Purchase Loans

FDDC offers loans up to $50,000 to purchase land.

Credit Builder Loan

Need to break out from predatory loans or collections? Rebuild your credit with a Credit Builder Loan! FDDC’s Credit Builder Loan (CBL) is a short-term (24-month maximum) unsecured loan of up to $3,000 that is coupled with financial counseling during the duration of your loan period.

If you’re interested in applying for a residential loan or would like more information about our programs, please contact us today!