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

2. St. Paul RLC Contacts Processing and Underwriting Management
Jacob Eilbert
Jyssica Sule
Tim Knutson
Management
Dean Eckes

3. NADL Jusrisdictions

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

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

6. 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):

7. 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):

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

9. Proposed/Under Construction
New Construction

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

11. 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

12. VA Funding Fee

13. Thank you for serving our most deserving!