Become a Home At Last™ Lender

Lenders! Here is the information you need to begin offering the Nevada Rural Housing Authority’s Home At Last™ (HAL) Down Payment Assistance & Mortgage Credit Certificate (MCC) Homeownership Programs.

Down Payment Assistance

Being a HAL participating lender is pretty much the bee’s knees! Our team loves to shout it from the rooftops, “We’ve got the BEST lenders!” As soon as you’re “in,” we’ll get our megaphones ready – we feature loan officers on the referral page of our website as soon as they help a borrower with the HAL program! To get started, follow the steps below, and in no time, you’ll be part of the HAL team.

Step 1:  Contact US Bank at 1-800-562-5165 to get approval as a correspondent lender.

Step 2:  Email us the executed Lender Participation Agreement (see link below), along with a copy of the US Bank approval letter.

Lender Participation Agreement for the Down Payment Assistance Program
Use this Link to Submit the Executed Agreement and US Bank Approval Letter

Step 3:  Complete Training – Review the Options Below to Get Started Today!

The training requirements are outlined below and may vary for each individual. Originators and those touching the loan file from origination to closing will complete steps 1 and 2 only, while closers/shippers and those touching the loan file from delivery to compliance will complete steps 1 and 3 only. If you need to expedite the process, or would like assistance, please contact HAL@NVRural.org.

  1. Home At Last Lender 101 Program Training provided through “HAL U”
    Who Attends: Loan officers, originators, assistants, processors, underwriters, and anyone who “touches” the loan file, plus those who already have eHousing user credentials but need to add the Home At Last down payment assistance program to their list of options.
    Link to Training: Lender 101 – available online 24/7 at HAL University
  2. Technical & Workflow Training for “Origination to Closing” provided by eHousingPlus
    Who Attends:
    Anyone requiring login credentials to reserve/lock, update loans throughout the workflow, complete underwriter certification, generate/print loan closing forms, and anyone who “touches” the loan file from origination to closing. This technical training only needs to be completed once, so if you already have login/user credentials for another assistance program, click here to simply add the Nevada Rural Housing Authority’s Home At Last program to your existing list of programs.
    Link to Training: Email useraccess@ehpuniversity.com and state that you are requesting the NV Rural technical and workflow training.
  3. Technical & Workflow Training for “Digital Docs & Delivery to Compliance” provided by eHousingPlus
    Who Attends: Anyone involved with handling compliance packages, uploading documents required to cure loan file deficiencies, paying eHousing compliance/admin fees via eHPay, and managing post-closing deliveries.
    Link to Training: Pre-register for eHousing’s weekly live webinar held Wednesdays, 8:59-10:00 a.m. PT

Note: If US Bank has not already scheduled your training for Closers/Shippers, please email HFA.Programs@USBank.com.

Additional Training Resources: eHousingPlus Video Training Library

Mortgage Credit Certificate (MCC) Program

Lenders, please also execute the separate MCC Participation Agreement to begin offering the MCC program with (or without) the down payment assistance program. There is no separate training required for the MCC program because the material is already covered in the Lender 101 training. Simply sign and return the Lender Participation Agreement (see link below) and we’ll review for approval the same day. It’s as easy as that!

Lender Participation Agreement for the MCC Program
Use this Link to Submit the Executed Agreement