Home At Last™ Daily Rates

Loan Rates Shown are Effective 01/19/2021 – Click to View the Rate Sheet

FHA, VA, USDA LOANS – RATES & ASSISTANCE OPTIONS

Assistance  Options
Loan Rates
Loan Types
Purchase & Refinance
FICO Minimum; Debt-to-Income Ratio (DTI) Maximum
0% 2.250% FHA, VA, USDA

FHA, VA & USDA:

  • 640 FICO; 45% DTI

FHA Purchases Only:

  • 680 FICO; 50% DTI

Manufactured Homes:

  • 680 FICO; 45% DTI
2% 2.750% FHA, VA, USDA
3% 3.000% FHA, VA, USDA
4% 3.250% FHA, VA, USDA
5% 4.500% FHA, VA, USDA

CONVENTIONAL LOANS – RATES & ASSISTANCE OPTIONS

 Assistance Options
Freddie Mac Rates
Income Limit:
80% AMI
View AMI Lookup Tool
Fannie Mae Rates
Income Limit:
≤ 80% AMI
View AMI Lookup Tool
Fannie Mae Rates
>
80% AMI
Income Limit: $135,000
Purchase & Refinance
FICO Minimum; Debt-to-Income Ratio (DTI) Maximum
0% 2.750% 2.750% 3.375%

Conventional:

  • 640 FICO; 45% DTI
  • 680 FICO; 50% DTI

Manufactured Homes:

  • 640 FICO; 45% DTI
  • Not permitted on Freddie Mac loans
1% 3.000% 3.000% 3.500%
2% 3.125% 3.125% 3.625%
3% 3.375% 3.375% 4.500%
4% 4.875% 4.875% 5.125%
5% 5.250% 5.250% N/A

INCOME LIMITS

PURCHASE PRICE LIMITS

LOAN LIMITS

PLEASE NOTE:

  • Assistance is a percentage of the loan amount and the rate on the 30-year mortgage depends on the amount of assistance.
  • Options with assistance will have a 3-year forgivable second mortgage with no interest and no payments.
  • FHA loans with FICO below 660 require borrower(s) have 1+ month of reserves and 6+ months employment history on current job(s).
  • FHA streamline refinances are not permitted.
  • FHA loans and manufactured home loans may not be manually underwritten.

HAL Lender Seller Guides, Updates, Bulletins & Notices

View the MCC Income and Purchase Price Limits

Home At Last participating lenders are responsible to follow all program guidelines and reserve loans at the rates published at eHousingPlus.
Not all applicants will qualify. Home At Last, a program of the Nevada Rural Housing Authority does not originate mortgage loans. Eligibility for the program is determined by licensed lenders approved to offer the Home At Last program. Rates shown are for illustrative purposes only. This is not an offer to lend money or solicit a mortgage application.