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Apply For A NIFA Loan

Current rates

Program
Name
Government
Loan Rate
Conventional
Loan Rate
Military Home2.125%*N/A
First Home Targeted2.125%*2.500%*
First Home2.375%*2.750%*
Homebuyer Assistance (HBA)2.875%* - 1st loan
1.000%* - 2nd loan
3.250%* - 1st loan
1.000%* - 2nd loan

Last changed 9/17/21 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. 

Apply For A NIFA Loan

Think you’re ready to apply for a NIFA loan? Walk through these five steps to make sure you have everything you need!

1. Make sure you’re eligible

Check your eligibility and get your NIFA Homebuyer Certificate! NIFA will use the certificate for pre-eligibility with our loan program. This is not an application or approval for a loan. 

Fill out the form below.

2. Find A Participating Lender

Now, it’s time to take that NIFA Homebuyer Certificate to a Participating Lender to get pre-approved for a loan. Your loan officer will review your credit report, household income sources and expenses to help you determine the price of a home you can afford.

Find a NIFA Loan Officer Specialist.

3.  Take a Homebuyer Education Class

Become an expert in the home buying process before you start shopping for a home! 

Search for a Homebuyer Education Class today.

4. Find a Real Estate Agent

It’s time to find a real estate agent who can help you find a home that’s right for you! 

Find a NIFA Realtor Specialist.

5. Apply for a NIFA loan!

Once your Real Estate Agent finds you the perfect home, it’s time to apply for a NIFA loan!

The Participating Lender that you selected will assist you with the application process.

Still have questions? We’re here for you! Feel free to contact us at 800-204-6432, Monday-Friday 8 a.m. to 5 p.m. CST.

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Documents Needed

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Recapture Tax

Am I Eligible for a NIFA Loan?

Fill out the form below and find out today. 

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