Home At Last™ Daily Rates
Yes! The Home At Last™ program is fully operational (it’s never been suspended!). Please email HAL@NVRural.org with any questions.
Loan rates shown are effective December 4, 2020. Assistance is a percentage of the loan amount.
FHA, VA, USDA 30-Year Fixed Rate Loans
Income Limit: $116,000
||Loan Rates||Loan Types
||FICO & DTI
|0%||2.250%||FHA, VA, USDA||
FHA, VA, USDA: Purchase OR Refinance:
680 FICO, 45% or below DTI on Manufactured Homes
FHA Purchase Also Permits:
|2%||2.625%||FHA, VA, USDA|
|3%||3.000%||FHA, VA, USDA|
|4%||4.000%||FHA, VA, USDA|
|5%||4.500%||FHA, VA, USDA|
CONVENTIONAL 30-Year Fixed Rate Loans
AMI is the Area Median Income established by Fannie Mae and Freddie Mac.
Income Limit for Borrowers over 80% AMI: $135,000
Income Limit for Borrowers at or below 80% AMI: Refer to County Limits (chart is posted below)
|Assistance Option||Freddie Mac
Loan Rates ≤80% AMI
|Fannie Mae Loan Rates
|Fannie Mae Loan Rates Over 80% AMI
||FICO & DTI
Purchase OR Refinance:
680 FICO, 45.01 to 50% DTI
640 FICO, 45% or below DTI on Manufactured Homes
*Freddie Mac HFA Advantage does not allow Manufactured Home loans.
Manual underwrites are not permitted on FHA loans or Manufactured Homes loans.
FHA loans with a FICO below 660 will require at least one (1) month of reserves and six (6) months borrower employment history on current job.
No FHA streamline refinances are permitted.