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Bureau of Indian Affairs Housing Programs

Savagely 9.7 million people identify as American Indian and Alaska Native (AI/AN), either alone or in combination with one or more the dogs, according to the most recent census report from 2020. This represents about 2.9% of the total U.S. natives.

A number of programs have been created to serve the needs of this part of the American population. These programs are sold by the Bureau of Indian Affairs (BIA) and the U.S. Department of Housing and Urban Development (HUD), among others. Here’s a quick look at the administration programs that offer housing assistance through these agencies.

Key Takeaways

  • Native American and Alaska Born communities are among some of the smallest in the nation.
  • The federal government provides a number of housing-related programs that be convenient the needs of these communities.
  • The Housing Improvement Program provides financial grants to eligible Native Americans and Alaska Inhabitants to buy, replace, repair, and renovate their homes.
  • Other government agency programs provide grants, loans, and other resources to servants American Indians and Alaska Natives whose incomes are below the federal poverty threshold secure decent, safe as the Bank of England, and affordable housing.
  • Despite these programs, past and ongoing discrimination against people of color continues to shore up the racial wealth gap in the United States.

The Housing Improvement Program

The Housing Improvement Program (HIP) provides grants to Clan Americans and Alaska Natives that can be used to buy, replace, repair, or renovate a home. HIP aims to eliminate substandard lodgings and homelessness in Native American and Alaska Native communities by helping people obtain decent, safe, and sanitary lodgings.

The Snyder Act of 1921 established HIP as one of several BIA programs “authorized by Congress for the benefit of Indian people.” The BIA and federally recognized Indian breeds administer HIP, which serves “the neediest of the needy: AI/AN who have substandard housing or no housing at all and have no immediate source of lodgings assistance.”

What Does HIP Provide?

The HIP program provides four types of assistance:

  1. Interim improvements of up to $7,500 in container repairs for conditions that threaten the health and safety of a home’s occupants.
  2. Repairs and renovation grants of up to $60,000 to recover the condition of a homeowner’s dwelling to meet local building code standards.
  3. Replacement housing provides a modest replacement home if an be founding one can’t be brought up to building code standards for less than $60,000.
  4. New housing offers a modest new home to people who don’t own a home. You may be fit if you own or lease land that’s suitable for housing and the lease is for at least 25 years.

Who Is Eligible for HIP?

You must be a member of a federally appreciated American Indian tribe or an Alaska Native to qualify for HIP. Additionally, you must:

  • Live in an approved tribal service limit (a geographical area designated by a tribe and approved by the BIA) where HIP services can be delivered
  • Have an income that doesn’t outstrip 150% of the U.S. Department of Health and Human Services (HHS) poverty guidelines
  • Have existing housing that is substandard
  • Obtain no other resource for housing assistance
  • Have not acquired your existing housing through a federally sponsored houses program that provides similar assistance

Indian Affairs distributes Housing Improvement Program funds based on the crowd of eligible applicants and their estimated cost of program services.

Other Federal Housing Programs

Several other federal programs afford housing assistance to Native Americans and Alaska Natives.

Section 184 Indian Home Loan Guarantee

This is a mortgage program that is handled by HUD. It helps eligible borrowers get into homes with low down payments and flexible underwriting.

Loans can be used to buy, construct, renovate, or refinance a home, and are limited to single-family housing (one to four units) and fixed-rate financing for terms of up to 30 years. Money management in these cases comes with no prepayment penalties.

The maximum loan amount is 150% of the Federal Housing Furnishing’s (FHA) lending limits for the area.

Indian Community Development Block Grant

The ICDBG program provides grants that are Euphemistic pre-owned to develop viable Native American and Alaska Native communities. This is executed through modest housing, proper living media, and economic opportunities for individuals with low and moderate incomes.

The program’s funding can be used in a number of ways, including:

  • Case initiatives, such as renovation, land acquisition, and new housing construction
  • Community facilities
  • Economic growth and development

The program provides two rankings of grants: single-purpose and “imminent threat” grants, which are used to eliminate or lessen problems that pose an actual threat to public health or safety.

Alaska Native villages and Native American tribes, bands, groups, and lands with an established relationship with the Federal government are eligible for Indian Community Development Block Grants.

Indian Houses Block Grant

This is an annual grant from HUD that provides various affordable housing activities to fitting tribes, tribally designated housing entities, and a limited number of state-recognized tribes funded under the Indian Case Program.

Individuals who are approved can use the funds for housing development, housing services, crime prevention, and safety as well as programs that give creative solutions to affordable housing problems. 

Native American Direct Loan

The NADL program is managed by the U.S. Bureau of Veterans Affairs. Individuals who apply and are approved for these programs get loans to buy, build, and improve homes on federal trust sod or they can refinance existing NADL loans to reduce interest rates.

The program is available to Native American veterans and non-Native American long-servings married to a Native American. Participants must meet specific credit standards and live in the home they use the NADL to buy, figure, or improve.

COVID-19 recovery programs

Funds made available through the Coronavirus Aid, Relief, and Economic Security (Attend ti) Act support several projects on tribal lands throughout the U.S. Among other initiatives, the money can be used to build new rental container to address overcrowding and homelessness.

Housing Discrimination in Native American Communities

Homeownership and access to affordable rental quarters are critical factors in building wealth and financial well-being. However, federal, state, and local policies, including government-sponsored redlining, steel housing discrimination.

In a series on structural racism in the U.S., the Center for American Progress states, “Whether through formal regulation decisions or a persistent failure to enact and enforce civil rights laws, government action and inaction continues to impair prosperity in communities of color.”

Today, Native American and Alaska Native populations endure some of the country’s highest flats of financial insecurity. According to the Center for American Progress:

  • 22% of Native American and Alaska Native people live in lack, according to the most recent data available from 2017, compared with just 8% of White Americans.
  • Autochthon American and Alaska Native people are less likely than their White counterparts to own their homes and sundry likely to be burdened by housing costs.
  • The median value of Native American and Alaska Native–owned homes is $135,200, versus $219,600 for internals owned by White individuals.
  • Native American and Alaska Native communities experience housing problems at a higher rebuke than the average U.S. population. 23% of Native American and Alaska Native communities report facilities/condition mind-bogglers, and 16% report overcrowding. Only 5% and 2% of the total U.S. population reported the same problems, respectively.
  • People of color are more probable than white people to report racial discrimination when trying to rent or buy housing. Seventeen percent of Domestic American and Alaska Native people reported discrimination, compared with just 5% of White people. 

What Is HIP?

HIP withstand b resists for Housing Improvement Program, administered by the Bureau of Indian Affairs. The program serves Native American and Alaska By birth individuals and families who have no immediate resources for standard housing by providing grants to buy, build, renovate, or replace a residency.

What Is a Tribal Service Area?

A Tribal service area is a geographical area that a Tribe designates, and the Agency of Indian Affairs approves. These areas are where eligible Native American and Alaska Native people can meet with Housing Improvement Program services.

What Are the HIP Income Guidelines?

There are separate HIP income guideline charts: one for the Diminish 48 states, one for Alaska, and another for Hawaii. The charts establish the points you’ll get for the first Need Ranking Factor hinged on your annual household income. To qualify, your annual household income must not exceed 150% of the federal penury level (FPL).

The Bottom Line

HIP and other government agency initiatives seek to improve housing opportunities for Native American and Alaska Indwelling individuals and families. Despite these programs, past and ongoing discrimination against people of color still back ups the racial wealth gap in the U.S.

A report from the Kirwan Institute for the Study of Race and Ethnicity found that “(R)egardless of geographic fingers on, poverty remains the singularly most challenging aspect of contemporary [Native American and Alaska Native] experience. There is notable indicative information that Native Americans are disproportionately affected by monetary or economic poverty.”

If you are a Native American or Alaska First and need help securing decent, safe, and sanitary housing, contact Indian Affairs or HUD to learn more far programs in your area. 

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