Home At Last™ Daily Rates

Rates shown are effective April 19, 2019. The eHousing reservation portal is open today, but their office is closed for Good Friday. Please contact us at HAL@NVRural.org with any questions.

FHA, VA, USDA-RD 30-Year Fixed Rate Loans

Loan Rates Borrower Assistance Loan Types FICO Requirements
5.000% 2.00% FHA, VA, USDA-RD 640
5.750% 3.00% FHA, VA 640
6.000% 4.00% FHA, VA 640
6.250% 5.00% FHA, VA 640
PLEASE NOTE: In accordance with USDA Handbook 3555-1, Chapter 7.3.B, USDA RD Guaranteed loans have an interest rate cap limited to 100 basis points (1.00 percentage point) over the following: Current Fannie Mae yield for 90-day delivery (actual/actual) for 30-year fixed rate conventional loans, rounded up to the nearest one-quarter of 1 percent. CLICK HERE to view the Fannie Mae website used to calculate the cap. The Home At Last interest rate offered with 2% down payment assistance IS confirmed to meet USDA guidelines each morning.

CONVENTIONAL 30-Year Fixed Rate Loans

Loan Rates Borrower Assistance Loan Types FICO Requirements
4.750% 0.00% Fannie Mae HFA Preferred &
Freddie Mac HFA Advantage
640
5.125% 1.00% Fannie Mae HFA Preferred &
Freddie Mac HFA Advantage
640
5.375% 2.00% Fannie Mae HFA Preferred &
Freddie Mac HFA Advantage
640
5.750% 3.00% Fannie Mae HFA Preferred &
Freddie Mac HFA Advantage
640
6.125% 4.00% Fannie Mae HFA Preferred Only 640
6.375% 5.00% Fannie Mae HFA Preferred Only 640

Click Here for the Full Rate Sheet