Native American Veteran Home Loan Act - Amends Federal veterans law to: (1) convert into a permanent program the pilot program (set to expire after December 31, 2008) under which the Secretary of Veterans Affairs may make direct housing loans to Native American veterans; (2) limit the amount of any increase in the principal amount of any direct housing loan made to a Native American; and (3) extend the eligibility for such direct loans to a non-Native American veteran who is the spouse of a Native American.