Mike Frueh and Joseph J. Lincoln, Jr., head of the Nunakauyak Tribe sign a letter of intent to work together to connect Alaska Veterans to VA’s home loan benefit.

Mike Frueh and Joseph J. Lincoln, Jr., head of the Nunakauyak Tribe sign a letter of intent to work together to connect Alaska Veterans to VA’s home loan benefit.

On Sunday, July 27, I arrived in Alaska at one of its most southern communities, Metlakatla. I had come to Alaska with the goal of expanding awareness of and access to an alternative route for Native America Veterans to use their home loan benefit, the Native American Direct Loan (NADL) Program.  The signing ceremony at Metlakatla was significant – it marked the Department of Veterans Affairs’ first NADL partner in the state of Alaska.

During my short but successful trip, in addition to signing a memorandum of understanding with the Metlakatla Indian Community, I joined other VA staff in meeting with other tribal leaders across Alaska, and sharing information on VA benefits and services, including health care, compensation and the VA home loan benefit. During our visit, eight additional tribes signed letters of intent to work with VA’s NADL program – bringing this important benefit closer to even more Veterans living in Alaska. The contacts we made will be vital to the success of VA’s increased presence throughout the state.

Ivonne Perez discusses the NADL program with a Veteran and Tribal Council Member from the Nanakauyak Tribe.

Ivonne Perez discusses the NADL program with a Veteran and Tribal Council Member from the Nanakauyak Tribe.

VA’s Native American Loan Program is a unique benefit that provides direct home loans to Native American Veterans living on tribal land. The program began in 1992 to help ensure such Veterans could access their VA home loan benefit, because traditional banks hesitated to lend on federal trust land. Under this program, Native American Veterans whose tribes have executed an agreement with VA have more options to use their earned home loan benefit: they can purchase a home using either a conventional loan (their “plain vanilla” VA guaranteed loan benefit) or through a loan that VA makes directly to them.   

After meeting with the Metlakatla Indian Community, we traveled  by cargo plane, sea plane, and boat, delivering food, provisions and information on benefits to Veterans in Bethel  and the native communities of Kwethluk, Akiak, Tuluksak, Toksook Bay, Nunakauyak, Umkumiut, Night Mute and Tununak. This was some of the most remote land I have ever seen, and I was honored that Alaskan Veterans who live almost entirely off the land made the trip to meet with us. There was a strong sense of community in each village we visited and residents were eager to learn more about their VA benefits.

I traveled with Gina Capra, VA’s Director of Rural Health; Susan Yeager, who leads VA’s Alaskan health care services; Verdie Bowen, head of the Alaskan state Department of Veterans Affairs; and members of their staff. We enrolled more than 50 Veterans into the VA Healthcare system during our trip, many of whom were applying for benefits for the first time. Verdie Bowen helped one World War II Veteran apply for his long-overdue National Guard retirement, which will result in a significant retroactive payment to this wonderful man.

Susan Yeager has identified and implemented a remarkable model of partnering with state services, Indian Health Services and National Public Health to provide access and care to Veterans subsisting in some of the most remote places in America.

Veterans apply for benefits at the Bethel, AK Stand Down.

Veterans apply for benefits at the Bethel, AK Stand Down.

Another small plane took us to Toksook Bay where we met with tribal leaders from Nightmute, Unikumiut and Tununak. As soon as the word spread that we had arrived, the town hall was flooded with Veterans wanting to know more about the NADL program and to sign up for health benefits. Each Veteran was connected to VA staff members from Alaska who will ensure they receive the benefits they have earned and deserve. After Toksook Bay, we traveled back to Bethel and took part in a stand-down which connected more than 600 Veterans to benefits and services. This was the first stand-down held in Bethel, Alaska.

After this trip, the hard work begins – working with eligible Native American Veterans to purchase, build, or re-finance homes in remote areas of Alaska. We’ll be working closely with all of the partners we met on this trip to turn the letters of intent they signed with VA into direct home loans for Alaska Veterans.

Mike FruehMike Frueh is the Director of the VA Home Loan program. This program is responsible for helping Veterans obtain mortgages to purchase homes, retain homes when financial difficulties are encountered, and adapt homes to accommodate certain service-connected disabilities. Mike has 20 years of experience in the mortgage industry.

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Published on Aug. 13, 2014

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  1. toni August 13, 2014 at 5:10 pm

    has this information (the Native American Direct Loan (NADL) Program) been shared
    with Native Americans on reservation in the lower 48 states and native pacific Islanders?? if they are eligible – get the word spread – may of the reservations have houses without electricity or indoor plumbing – not right for any one, let alone the Veterans

    • Jason August 14, 2014 at 8:06 am


      We advertise this benefit on the VBA Facebook and Twitter pages, but if you want to share, here’s the link: http://benefits.va.gov/homeloans/nadl.asp

    • Samantha@VA August 15, 2014 at 11:28 am

      Thanks for your comment Toni. We’re working hard to promote this program throughout the US, including this recent push in Alaska. Native American Veterans residing on Federal Trust land may use the benefit to build, purchase or improve an existing home.

      We appreciate all the help we’ve received from tribes and other partners in our work to get the message out on this important benefit – including VA’s Office of Tribal Governmental Relations. Please help us spread the word even farther by sharing this information with your friends and colleagues.

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