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Community Stories

Current rates

Program
Name		 Conventional
Loan Rate		 Government
Loan Rate
Military Home N/A 5.750%*
First Home Targeted 6.125%* 5.750%*
First Home 6.375%* 6.000%*
Homebuyer Assistance (HBA) 6.625%* - 1st loan
1.000%* - 2nd loan		 6.250%* - 1st loan
1.000%* - 2nd loan
Welcome Home+ 7.000%* 6.625%*
Welcome Home Assistance (WHA)+ 7.250%* - 1st loan
1.000%* - 2nd loan		 6.875%* - 1st loan
1.000%* - 2nd loan
Build Home++ Varies* Varies*
Refinance Home 7.750%* 7.375%*

Rates Page

Last changed 08/07/2026 at 9:00 a.m
*This is not an advertisement for credit as defined in Reg.Z; contact a participating NIFA lender for Annual Percentage Rate (APR) information. Rates are subject to change without prior notice. 

+An origination fee up to 0.50% of the loan amount may be charged by Lender.

++ Interest rate based on program eligibility. See program details.

Agriculture

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Beginning Rancher Testimony

NIFA’s First-Time Farmer/Rancher loan allowed our young farm family to purchase acres at very low interest to make our small seed stock cattle operation viable. The NIFA loan played a part in helping expand our purebred cattle operation.  We now have genetics from our small operation on 3 continents and 5 countries across the world and from California to Virginia in the U.S. It is a great program and we are very thankful it was available to us.” Jeff C., Adams, NE