Building A Home?

Thinking About Building A Home?

  1. Site Inspection Application

    • Site Inspection application process begins at Tribal Realty by the property owner.
    • The property will be inspected by five tribal departments and will be determined buildable or not buildable.

  2. Property Survey, Transfer & Right Of Ways

    • Surveying requests for approved buildable sites will be done by the Tribal Surveying dept.
    • Property transfers will be done by the owner to the home buyer at Tribal Realty.
    • The home buyer must own the property for financing purposes.
    • All road and utility right-of-way or utility easements must be in place before any site work begins.

  3. Pre-Approval, Pre-Qualification

    • Prior to meeting with either the Homeownership/Rental Occupancy Specialist and/or Lending Officer, the applicant is required to have Site Inspection forms completed.
    • For THS, the Lending Officer will assist applicant with packaging loan applications to lender.
    • For THS, Lender will issue a prequalification letter indicating maximum loan amount.
    • For THS, the Lending Officer will send Infrastructure a copy of the prequalification letter.

  4. Infrastructure

    • Once pre-approved/qualified, An Infrastructure application must be completed.
    • Legal description proving ownership of the property must be included.
    • Must be an EBCI enrolled member constructing a permanent residence on trust lands to receive Infrastructure services.
    • For QHS, this is when the Homeownership/Rental Occupancy Specialist submits the application to the Compliance Committee for review and recommendation for approval or denial.

  5. Home Buying Search & Quote (For THS)

    • Prequalified borrower will begin their house search, keeping in mind the size of the site that was approved.
    • Borrower will request a sales quote, floor plans and foundation plan for their home.
    • After receiving quote and house plans, Borrower will submit all documents and drawings to the Lending Officer.
    • The Lending Officer will submit estimate, plans and drawings to Infrastructure.

  6. Down Payment Assistance (DPA) & Loan Process (For THS)

    • The Lending Officer will process documents to request Down Payment Assistance for 20% of sales contract amount, up to $50,000.00, and will request $2,500,00 in Rate Buy Down (RBD) gift funds simultaneously.
    • Coordinator will submit to Loan Compliance Committee for review. Committee will recommend for approval or denial.
    • Approved applications are submitted to Secretary of Housing for approval and signature.
    • Approved applications are then submitted to the Principal Chief for approval and signature.
    • The approved and signed applications are returned to the Lending Officer.
    • Coordinator will continue to send financial docs on a continual basis to lender until loan close is scheduled.

  7. CIDH & REALTY – On Trust Lands

    • After receiving signed approvals, the Lending Officer and/or Homeownership/Rental Occupancy Specialist will send firm commitment to Tribal Realty to initiate Ownership Statement (OS), Lease and Assignment.
    • The Lending Officer will also send a letter to lender to notify approval of DPA and RBD.
    • Once OS, lease and assignment are received, these documents will be forwarded to the lending institution.
    • Lending Institution will contact client to “lock in” their interest rate, taking into consideration the gift funds to purchase discount points.

  8. DPA Funds – Off Trust Lands (For THS)

    • After loan approvals are received, the Lending Officer will send letter notifying lender the borrower has been approved for DPA and RBD funds and request closing attorney information.
    • The Lending Officer will complete the Promissory Note and Deed of Trust to be signed at closing and recorded at Register of Deeds in the county of purchase.
    • Closing attorney will send copy of recorded documents back to the Lending Officer.
    • The Lending Officer will submit recorded documents to Realty to be recorded for off-boundary loans.

  9. Loan Close (For THS)

    • Prior to loan close, the Lending Officer will request AP checks for issuance of DPA and RBD to be disbursed to the lender at closing.
    • The Lending Officer will notify Site Prep that loan has closed.
    • Home construction may start after loan close.
    • Client will begin working with Lender’s Construction Loan Specialist for completion of construction.

  10. Site Prep Scheduling

    • Signed purchase agreement, house floor plans and firm commitment must on file with homebuyer services and Infrastructure.
    • If 1 acre or more will be disturbed during site prep construction, a SWPP (Storm Water Protection Plan) must be completed by our contractor before any work can begin.

  11. Services Provided By Infrastructure For New Homes

    • For qualified EBCI enrolled members residing on trust land, Infrastructure provides:
    • Site Prep, Footers, Block Foundation, Block Underpinning, Vinyl Underpinning, Gutter System and Final Grade to prevent erosion.
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