inserting ‘‘housing benefits under this sub-
chapter’’. 
(c) ESTABLISHMENT
OF MAXIMUM AMOUNT
OF 
LOANS.—(1) Subsection (c)(1)(B) of section 3762 of such 
title is amended— 
(A) by striking ‘‘(B) The’’ and inserting 
‘‘(B)(i) The’’; 
(B) by striking ‘‘The amount’’ in the sec-
ond sentence and inserting ‘‘Subject to clause 
(ii), the amount’’; and 
(C) by adding at the end the following new 
clause: 
‘‘(ii) The amount of any increase under clause (i) 
may not exceed an amount determined by subtracting— 
‘‘(I) the amount referred to in subparagraph 
(A), from 
‘‘(II) the amount of the Freddie Mac con-
forming loan limit limitation determined under sec-
tion 305(a)(2) of the Federal Home Loan Mortgage 
Corporation Act (12 U.S.C. 1454(a)(2)) for a single- 
family residence, as adjusted for the year involved.’’. 
(2) Subsection (j)(1) of such section is amended by 
inserting ‘‘referred to in subsection (c)(1)(A)’’ before the 
period at the end.
(d) TECHNICAL AMENDMENT.—Subsection (c)(1)(A) 
of section 3762 of such title is amended by inserting ‘‘vet-
eran’’ after ‘‘Native American’’. 
(e) CLERICAL AMENDMENTS.—(1) The heading for 
subchapter V of chapter 37 of such title is amended to 
read as follows: 
‘‘SUBCHAPTER V—DIRECT HOUSING LOANS 
FOR NATIVE AMERICAN VETERANS’’. 
(2) The heading for section 3761 of such title is 
amended to read as follows: 
‘‘§ 3761. Permanent authority to make direct housing 
loans to Native American veterans’’. 
(3) The table of sections at the beginning of chapter 
37 of such title is amended by striking the items relating 
to subchapter V and section 3761 and inserting the fol-
lowing new items: 
‘‘SUBCHAPTER V—DIRECT HOUSING LOANS FOR NATIVE AMERICAN VETERANS 
‘‘3761. Permanent authority to make direct housing loans to Native American 
veterans.’’. 
SEC. 3. EXTENSION OF ELIGIBILITY FOR DIRECT LOANS 
FOR NATIVE AMERICAN VETERANS TO A VET-
ERAN WHO IS THE SPOUSE OF A NATIVE 
AMERICAN. 
(a) EXTENSION.—Subchapter V of chapter 37 of title 
38, United States Code, is amended—
(1) by redesignating section 3764 as section 
3765; and 
(2) by inserting after section 3763 the following 
new section: 
‘‘§ 3764. Qualified non-Native American veterans 
‘‘(a) Subject to the succeeding provisions of this sec-
tion, for purposes of this subchapter, a qualified non-Na-
tive American veteran is deemed to be a Native American 
veteran, except that any reference in this subchapter to 
the jurisdiction of a tribal organization over a Native 
American veteran is deemed to be a reference to the Na-
tive American spouse of the qualified non-Native American 
veteran. 
‘‘(b) In making direct loans under this subchapter to 
a qualified non-Native American veteran, the Secretary 
shall ensure that the tribal organization permits, and the 
qualified non-Native American veteran actually holds, pos-
sesses, or purchases, using the proceeds of the loan, jointly 
with the Native American spouse of the qualified non-Na-
tive American veteran, a meaningful interest in the lot, 
dwelling, or both, that is located on trust land. 
‘‘(c) Nothing in subsection (b) shall be construed as 
precluding a tribal organization from imposing reasonable 
restrictions on the right of the qualified non-Native Amer-
ican veteran to convey, assign, or otherwise dispose of such