Native Community Capital

Home
United States
Tempe, AZ
Native Community Capital

Call Directions Website

Working towards equitable access to capital forcommunity- and economic development on tribal lands.

Native Community Capital provides technical assistance and financial capital in the form of loans to tribes, Indian-oriented private developers and individual Native homebuyers and entrepreneurs.

10/03/2026

FOR IMMEDIATE RELEASE: Navajo Homeowner Assistance Fund Program Officially Concludes After Three Years of Supporting Navajo Homeowners

WINDOW ROCK, ARIZ. — The Navajo Homeowner Assistance Fund (NHAF) program has officially concluded following three years of providing financial assistance to eligible Navajo homeowners experiencing COVID-19-related financial hardship.

Made possible through federal stimulus funding, NHAF was established to help eligible homeowners address financial challenges that affected their ability to maintain homeownership. Although enacted in 2021 nationally, the Navajo Homeowner Assistance Fund launched in September 2023. The program provided grants to eligible homeowners across the Navajo Nation and in communities where Navajo homeowners live outside the reservation.

The program concluded on September 30, 2026, in accordance with federal program requirements. Over the course of the three-year program, available NHAF funding was deployed to support eligible homeowners, with priority given to households most affected by the financial impacts of the COVID-19 pandemic.

“NHAF represents an important investment in Navajo homeowners and the stability of Navajo families,” said Dave Castillo, CEO of Native Community Capital. “We are proud of the work accomplished through this program and grateful to the homeowners, partners, community leaders, and staff who helped make this assistance possible.”

All NHAF dollars available to NCC to distribute as grants to Navajo homeowners have been disbursed. Over 2,000 payments to contractors, mortgage companies and other creditors were made to support over 500 Navajo homeowners. The specific assistance was for critical home repairs, mortgage payment assistance, reduction in principal balances, and most importantly to help Navajo families remain on a path toward sustainable homeownership.

With the program now complete, Native Community Capital in conjunction with the Navajo Division of Children and Family Services will release a final program report prior to the end of the calendar year. The final NHAF program report will provide a comprehensive look at the program’s three-year impact, including the number of homeowners and families served, funds deployed, program outcomes, recommendations for addressing unmet needs and other key measures.

10/01/2026

The Navajo Homeowner Assistance Fund (NHAF) program has officially concluded following three years of providing financial assistance to eligible Navajo homeowners experiencing COVID-19-related financial hardship. All funds managed by NCC available to issue as grant funds have been disbursed.

We would like to extend our heartfelt gratitude to those who worked with us throughout the program, as well as everyone who was involved in making NHAF a success.

The NHAF program required time, collaboration, and patience — all of which resulted in our ability to serve over 500+ clients with their homeownership needs.

NHAF Impact Report coming soon. Please check back for updates.

09/28/2026

Before we conclude the Navajo Homeowner Assistance Fund (NHAF) program, we’d like to extend our deepest heartfelt gratitude to our team, without which the program would not be possible.

Over the three years of the NHAF program, we had 30+ staff working on NHAF, most of which were either enrolled members of the Navajo Nation or other tribal nations. All staff were uniquely qualified to address the technical details of the NHAF program and the lived reality of homeowners in need of financial support..

As a first-ever federal grant program for homeowners affected by COVID, implementation was a challenge that we overcame together…applicants, Navajo leadership, US Treasury officials and NCC staff. The attention to detail was sometimes overwhelming. Together, we worked as a team to find solutions and to adjust as needed. The NCC team in particular handled every challenge with grace and humility, and we are forever grateful for their will and determination to serve the best interests of Navajo homeowners in need.

09/25/2026

Our team has been working diligently to support applicants through every step of the Navajo Homeowner Assistance Fund (NHAF), especially in our requests for additional documentation.

We understand that gathering and providing documents to ensure program eligibility is not always an easy task. We are grateful for the applicants who worked closely with our team to fulfill additional document requests in a timely manner.

Ahéhee Linda for the kind words. We are glad that we were able to support you through the NHAF program.

09/23/2026

As the seasons transition from summer to fall, Native Community Capital continues to focus on wrapping up the Navajo Homeowner Assistance Fund (NHAF) program.

With a little over a week remaining in the NHAF program, our team remains committed to working diligently to deploy the remaining program funds to eligible applicants — “eligible” being a critical part of this statement.

At its core, the NHAF program was a once-in-a-lifetime opportunity that helped many of our relatives recover from dire circumstances. We know additional support is needed outside of what NHAF was able to provide. We suggest reaching out to your elected officials and request that more programs like these exist to help out our people.

While we wish that we could support all of our Navajo relatives through this program, we must also uphold our duty to guard against fraud, waste, and abuse of these federal funds while also maintaining high ethical standards. All of our clients are required to undergo the same application process and meet all eligibility requirements.

Please continue to check back in for updates on the NHAF program. Our final report will outline the full impact of this program, which we anticipate sharing in the weeks following the conclusion of the program on September 30, 2026.

Wishing you all a wonderful fall equinox during this season of change.

09/12/2026

Throughout this past summer, states such as Arizona, New Mexico, and Utah all experienced monsoon and other heavy rainfall that resulted in flash floods. According to the National Weather Service, all of these states are leaning towards above-average rainfall for the upcoming fall season as well. Water damage due to leaky roofs and other exterior repairs severely affects the integrity of homes.

As of July 31, 2026, the Navajo Homeowner Assistance Fund (NHAF) has provided 92 roofing repairs, 91 window & door repairs, and 41 structural repairs, ensuring that our relatives are protected from severe weather events.

The Home Repair Assistance (HRA) program provided up to $200,000 per household for Home Repair Assistance to prevent homeowner displacement, such as home repairs to maintain the habitability of a home, including repairing gutters. This program was available in all 50 states.

09/10/2026

The Navajo Homeowner Assistance Fund (NHAF) is proud of the work we're doing to support families through programs such as Mortgage Principal Reduction Assistance.

We acknowledge that the process has not been smooth for all applicants due to the program's eligibility and documentation requirements.

Key components of NHAF — such as the need to show proper documentation of a COVID-19 related hardship after the purchase of the home — are required to comply with the terms of the NHAF program as a whole.

While we wish we could serve all Navajo homeowners through NHAF, we must adhere to the terms set forth for this federal program.

09/09/2026

Home repairs are expensive, and we often have more immediate needs. There are school clothes to buy, that unexpected car repair is a must, and sometimes a relative just needs a little help with bills. And yet, homes shelter our people — and those repairs still need to get done too.

As of July 31, 2026, the Navajo Homeowner Assistance Fund (NHAF) has provided 213 interior repairs, 66 electrical repairs, and 19 health & safety related repairs, ensuring that children and parents alike have a comfortable home to return to at the end of a long day.

The Home Repair Assistance (HRA) program provided up to $200,000 per household for Home Repair Assistance to prevent homeowner displacement, such as home repairs to maintain the habitability of a home, including repairing countertops, interior drywall, and bathrooms. This program was available in all 50 states.

09/05/2026

Summer 2026 delivered intense heat across the nation. Phoenix alone recorded 56 days that reached or exceeded 110°F, breaking the previous annual record.

As of July 31, 2026, the Navajo Homeowner Assistance Fund (NHAF) has provided 118 HVAC repairs, 66 electrical repairs, and 92 roofing repairs, ensuring that our relatives have a way to keep cool during the hottest months on record.

The Home Repair Assistance (HRA) program provided up to $200,000 per household for Home Repair Assistance to prevent homeowner displacement, such as home repairs to maintain the habitability of a home, including repairing HVAC systems. This program was available in all 50 states.

09/04/2026

🎉 We just had our biggest month yet!

In the month of August alone, we deployed over $5.1 Million through the Navajo Homeowner Assistance Fund (NHAF), up from $3M+ in July and $2.8M+ in June.

This brings our total deployed funds for the NHAF program to $30M+.

As we approach the end of the NHAF program, scheduled to conclude on September 30, 2026, our team is working diligently to distribute remaining funds to current eligible applicants. We will not be accepting any more applications for the duration of the NHAF program.

Address

Tempe, AZ
85283

Telephone

+15057926544

Website

http://www.nativecap.org/

Alerts

Be the first to know and let us send you an email when Native Community Capital posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your organization to be the top-listed non profit organization in Tempe?