1. Short title This Act may be cited as the Native American Housing Affordability Act of 2019 . 2. Findings Congress finds that— (1) the extended timelines for approving lenders' applications to participate in the program established under section 184 of the Housing and Community Development Act of 1992 ( 12 U.S.C. 1715z–13a ) are unacceptably long; (2) those extended timelines inhibit the ability of lenders to provide needed mortgage loans on Native American reservations; and (3) it can take a significant amount of time for certain Bureau of Indian Affairs Land Title and Records Offices to issue final certified title status reports for mortgages issued on Indian trust land under section 184 of the Housing and Community Development Act of 1992 ( 12 U.S.C. 1715z–13a ), which delays the guarantee of the loan by the Department of Housing and Urban Development. 3. Improvements to loan guarantees for Indian housing (a) Documentation required for Indian trust land Section 184(c) of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z–13a(c)) is amended by adding at the end the following: (5) Trailing documents (A) In general The Secretary may issue a certificate of guarantee under this subsection for a loan involving a security interest in Indian trust land before the Secretary receives the trailing documents required by the Secretary, including the final certified title status report showing the recordation by the Bureau of Indian Affairs of the mortgage relating to the loan, if the originating lender agrees to indemnify the Secretary for any losses that may result when— (i) a claim payment is presented to the Secretary due to the default of the borrower on the loan