For years, limited on-reservation housing options forced citizens of the Saginaw Chippewa Indian Tribe to look elsewhere to live. Taking action to solve this problem, the Tribe encouraged private lenders to offer mortgages on trust land and to offer terms and rates similar to those available off the reservation. A critical component of this solution was the creation of the Saginaw Chippewa Tribal Land Title and Records Office, which keeps all records and verifies all titles pertaining to trust lands, replacing the BIA's much slower and more cumbersome process. As a result, private mortgage lending has increased, there is a housing boom on Saginaw lands, and economic development options that were simply impossible before have emerged. Most importantly, citizens are moving back home.