Indigenous peoples’ rights extends to adequate housing which has been recognized by the United Nations as one of the most fundamental elements for human dignity, physical and mental health and overall quality of life. Yet indigenous peoples continue to be one of the most disadvantaged groups which is reflected in the poor housing conditions they continue to endure to this day. Colonization deprived indigenous peoples of vast land holdings and access to life-sustaining resources which have crippled them economically and socially destroying their cohesiveness as communities and undermining the integrity of their cultures.
Indigenous men and women face discrimination in most aspects of housing including the availability of mortgage financing to purchase property on tribal lands. Government programs that have been established to address this inequity, such as the Section 184 Indian Home Loan Guarantee in the United States, continue to be woefully underfunded. This in turn has resulted in difficulty obtaining competitive Connecticut mortgage rates, Florida mortgage rates, Massachusetts mortgage rates, New Hampshire mortgage rates, Rhode Island mortgage rates and Washington state mortgage rates.
Fortunately, specialized state mortgage programs like the Mass Housing loan (www.massaffordablehomeloan.com) have been established to serve low to moderate income indigenous people who otherwise would not be able to obtain affordable housing.