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.
Our offices will be closed on Friday, October 30 in observance of Nevada Day. eHousing and the reservation portal will be open for business as usual.
Loan rates shown are effective October 28, 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%||2.875%||FHA, VA, USDA|
|3%||3.250%||FHA, VA, USDA|
|4%||4.125%||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.