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Home Building Opportunity (HBO)


Building your dream home can be one of the most exciting and rewarding projects you can undertake. Getting the opportunity to plan out each step of the process and make the decisions about your building project is a big responsibility.  If you are in the market to build a home and looking for land, you may want to consider the Home Building Opportunity (HBO).  The HBO is a means for enrolled members of the Oneida Nation of Wisconsin, to obtain a Residential Land Lease for a vacant residential lot.

A good place to start the research for your home building project is to find out how much financing you will be able to obtain.  A pre-qualification letter from a financial institution is required at the time of application submission.

For additional information please contact the Housing at (920) 869-2227.


The HBO Standard Application period opens back up February 10th, 2023. Applicants can put in their application for any of the available lots left, on a first come first serve basis. No lottery will happen, the lot goes to whomever comes in and applies for the Lot first.

Real Property Law

Property and Land Leasing


HBO Rule w/ LC Comments – 11-19-2019

HBO Flow Chart 

Bread Creek Village Map

Available Lots:

Beechtree Lane Lot 6
Bread Creek Village Lot 5
Bread Creek Village Lot 7
Bread Creek Village Lot 8
Bread Creek Village Lot 10
Bread Creek Village Lot 12
Bread Creek Village Lot 13
Bread Creek Village Lot 17
Bread Creek Village Lot 23
Bread Creek Village Lot 22
Bread Creek Village Lot 24
Bread Creek Village Lot 25
Bread Creek Village Lot 26

Homeownership Independent Purchase Program (HIP)

The Homeownership by Independent Purchase (HIP) Program helps to increase Oneida enrolled members homeownership; increase the land base available for the fee-to-trust process, while simultaneously affording you a greater independence in the purchase process by requiring the buyer to negotiate the purchase offer independent of the Nation.

In order to initiate the HIP process, the buyer shall request a certificate of pre-qualification from Bay Bank which will provide the maximum amount of financing that Bay Bank is willing to offer towards a home purchase.

Eligible Buyers

  • Oneida Tribal Member
  • 18 years of age or older
  • Have adequate funds available for purchase of the Improvements or be able to secure financing from Bay Bank
  • Meet the minimum down payment requirements established by Bay Bank and HUD’s guidelines

Eligible Property for purchase

  • Must be fee land located within Reservation boundaries
  • Must be single family dwelling located on the property; vacant properties are not eligible for this program.
  • Must be free of any and all environmental concerns to the satisfaction of the Environmental Health & Safety and Land Division;
  • Must be free of any and all title defects to the satisfaction of the Oneida Law Office;
  • May not require mortgage loan for the improvements in excess of $250,000; and
  • May not have a tax assessed value of greater than $100,000 for the land;
  • May not have restrictive covenants which would prevent the Nation from having the land put into trust status.  Subdivisions which may have such restrictive covenants include, but are not limited to: Thornberry Creek subdivisions, Tailwinds, Centennial Centre, and Polo Point.

For More Information Contact:
CHD Residential Leasing Specialist
Phone:  (920) 869-2227

Oneida Map – Roads

All Applicable Documents:
Application for Oneida Residential Lease
HIP Flow Chart
Offer to Purchase
Counter Offer
Land History Questionaire
Real Estate Condition Report
Preferred Broker Realtor Contacts

Laws and Rules:
Real Property Law
Rule No. 6 Homeownership by Independent Purchase HIP Program 
2021 HIP SOP
Residential Leasing Rules

Additional/Contact Info