VA Native American Direct Loans Department of Veterans Affairs St. Paul Regional Loan Center

St. Paul RLC Contacts Processing and Underwriting Management Jacob Eilbert 612-970-5480 Jacob.eilbert@va.gov Jyssica Sule 612-970-5578 Jyssica.sule@va.gov Tim Knutson 612-970-5479 Timothy.knutson@va.gov Management Dean Eckes 612-970-5502 Dean.eckes@va.gov

NADL Jusrisdictions

MOU Veteran The Tribe must have an existing MOU with VA Must have qualified Veteran

Benefits of NADL No Down Payment No PMI/MIP Flexible Credit Guidelines Competitive Interest Rates Benefits of NADL

National Personnel Records Center (DD214): http://www.archives.gov 2 years (DD-214, Member Copy 4) 90 days on Title 10 Other than dishonorable Active Duty 6 years (Point Statement/Discharge Certificate, NGB 22) Honorable Reserves/National Guard Veteran passed away while in service or due to a service connected disability Veteran had certain 100% disability ratings Surviving Spouse Eligibility National Personnel Records Center (DD214): http://www.archives.gov

Proof of Service Documentation Active Duty Tour DD 214, Member Copy 4 Reservist Point Statement & Certificate of Discharge National Guard NGB Form 22 National Personnel Records Center (DD214): http://www.archives.gov

VA Appraisals Timeframes Cost Minimum Property Requirements Reconsiderations & Waivers Timeframes Cost VA Appraisals

Proposed/Under Construction New Construction

Income Stable, reliable and expected to continue 2 year/12 month job history Overtime, part-time, commission Other types of income Income

Negative Credit Indicators Judgments 30, 60, or 90 day late payments in the last 12 months Outstanding collection accounts Ch. 7 BK in the last 24 months Active Ch. 13 (may be able to proceed with court approval) Foreclosure in the past 24 months Delinquency on a federal debt Negative Credit Indicators

VA Funding Fee

Thank you for serving our most deserving!