Once we looked at differences in the type of mortgage, we discovered that most of the rates difference in loans to help you Native American individuals into the bookings and you can comparable money in order to Light borrowers is actually told me by disproportionate the means to access family-only financing on reservations. Home-only money was a type of private property loan, such as auto loans, and they are maybe not tied to houses. step 3 Family-just money is only able to be taken to possess are built land, but-importantly-only a few are available homes should be funded having household-just finance. 4 Family-only money are provided by non-lender lenders and you will, having limited difference, was ineligible become federally covered or guaranteed.