Personal Loans






Home Loans for Native Americans

No hidden fees, reduced expenses, great rates...and a 100% tribally-owned bank that understands your needs. Our dedicated professionals are experts in the HUD 184 Home Loan Program for Native Americans. Together, we'll get you the keys to your dream house. Federally-backed Section 184 loans are available for purchase, refinance, new construction, and renovation. Regardless of where you live, you can use the nation's leading Native American Home Lender—Bank2, in the heart of Indian Country! Don't hesitate to ask us about Home Loans for Native Americans!


  • Exclusive to American Indians, Native Alaskans, Native Hawaiians and Federally Recognized Tribes
  • Low down payment
  • Allows for easier financing
  • Competitive interest rates
  • No hidden fees
  • Home can be on or off native lands
  • Local decision-making
  • Personal service at every step


Whether you're a first time home buyer, upgrading to a new home, or down-sizing for retirement, an FHA mortgage could be right for you. Low down payment requirements and flexible guidelines make FHA an ideal choice for many borrowers. Bank2 offers competitive rates, low closing costs, and personal service. Let one of our home loan experts help you decide if FHA is right for you.



Whether you're upgrading to a new home, down-sizing for retirement, or purchasing investment property, a Conventional mortgage could be right for you. Some advantages of Conventional financing include: credit score driven PMI, ability to purchase investment property, and more amortization options. Bank2 offers competitive rates, low closing costs, and personal service. Let one of our home loan experts help you decide if Conventional financing is right for you.




Conventional construction loans involve two separate loans. The first is a short-term loan (usually six to twelve months) that finances the design and construction of the home. Once construction is complete, the borrower takes out a permanent long-term mortgage to pay off the construction loan. Each loan is its own distinct transaction. If your home is already built, this is the best option for you. If you are still in the planning stages, let the Bank2 mortgage experts help you decide if this is the best option for you.



184 Single-Close Construction Loan

With the HUD 184 Single-Close Construction Loan you can use the funds for the construction of a new home, the purchase of a new manufactured or modular home, the renovation of your existing home, or even the purchase of an existing home that is in need of rehabilitation. HUD 184 also allows you to build on land you already own or to acquire land as part of the construction loan. In some locations, you can build on tribal lands. If you already own the land, you may be able to use its value for the down payment on the loan. Either way, HUD requires a low down payment based on the amount of your loan. This loan program allows you to choose your own builder; but the builder must meet the HUD qualifications.

The Section 184 Single-Close Construction Loan:

  • Exclusive to American Indians and Tribes
  • Low down payment
  • Allows for easier financing
  • Home can be on or off native lands
  • Local decision-making
  • Competitive rates
  • Save money on reduced closing costs
  • Hands-on personal service
  • Assistance at every step

With HUD’s Single-Close Construction Loans, You Can Use the Funds for:

  • The construction of a new home
  • The purchase of a new manufactured or modular home, or
  • The renovation of an existing home



FHA 203K

Obtaining a mortgage loan for a fixer-upper can be a difficult and daunting task. Many lenders do not offer any type of financing options for them. Let the experts at Bank2 help you navigate the process of turning that tired house into your treasured home. The FHA 203K Rehab Loan allows you to rehab the home you already own or to acquire a home that needs rehabilitation and finance the purchase of the home and the repairs as part of the loan. These loans for “fixer-uppers” provide financing for homes that might not otherwise qualify for traditional financing. This program is an excellent choice for owner-occupant buyers that are looking for a diamond in the rough. Let the Bank2 Mortgage Experts help determine if the FHA 203K is right loan for you.



Bank2 understands that any time your house is damaged, whether it be from a small claim or a complete loss, it can be very difficult time for you and your family. To help you through this process, we have provided helpful answers for some of the frequently asked questions related to insurance losses for your home. These questions and answers are designed to provide guidance when a homeowner receives an insurance loss draft (also known as a claim check) as a result of a filed claim with their insurance company.

Of course, you can always contact our Insurance Loss Draft Department Directly at: 1-866-572-7638. Press 3 for the Insurance Menu, then Press 1 for Insurance Claim and Property Damages Department during normal business hours.




Jim VanWinkle

AVP/Mortgage Loan Officer/ Team Lead

NMLS #: 346441

Cassie Schultheis

AVP/Mortgage Loan Officer / Team Lead

NMLS #: 840557

Jeremy Davenport

Mortgage Loan Officer

NMLS #: 1455401


Jerimiah Riggins

Mortgage Loan Officer

NMLS # 1586199


Larry O'Kelley   

Mortgage Loan Officer

NMLS # 220830

Apply With Larry

Email Larry




Judy Tran
‚ÄčMortgage Loan Officer
NMLS # 492983



Linda Pippin

Mortgage Loan Officer

NMLS # 216970

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