You love rural Nevada like we do.

Let us help you deepen those roots.

A clear night sky. Wide open space. So much potential. These are just some of the wonderful things that come to mind when we think ‘rural.’ What also comes to mind: rural Nevada homeownership opportunities. Home At Last’s goal is to deliver solutions to rural Nevadans that help make homeownership more attainable and affordable. Enter: USDA Guaranteed home loans.

HAL offers USDA Guaranteed home loan options exclusively for rural Nevada. This loan type requires no down payment and can be paired with Home At Last assistance to help pay closing costs. Plus, we’ve been offering historically low interest rates, giving our fellow rural Nevadans access to affordable credit.

And just like the beautiful, rolling scenery rural Nevada offers,
the USDA Guaranteed home loan with Home At Last gets better.

When USDA Guaranteed loan is paired with a Mortgage Credit Certificate (or MCC), we’ll waive the $795 MCC program fee! The MCC provides a tax savings to homeowners of 30% of the mortgage interest, each year for the life of the loan (max. of $2,000 per year) — now that’s some major savings!

Okay, so now what?
Let us get you where you want to go!

We work with a network of rock star lender partners who know our programs inside and out.
Check out the list of HAL-approved lenders who can see if USDA Guaranteed is a right fit for you!

While HAL offers USDA Guaranteed home loans, there are other offerings from our friends at USDA Rural Development that fit all kinds of situations (and P.S., you may automatically think ‘agriculture,’ but USDA includes a bunch of agencies doing lots of great things for rural communities to develop and grow through financial and technical resources.)
Visit USDA Rural Development for the full scoop on all things USDA RD!

Interested in Home At Last Down Payment Assistance for a non-USDA-eligible property?
Learn more about your options here.

Not all applicants will qualify. Eligibility for the program is determined by licensed lenders approved to offer the Home At Last program. NRHA does not offer this information to solicit a mortgage application or as tax advice, and this is not an offer to lend money.