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Apply For A NIFA Loan

Current rates

Loan Rate
Loan Rate
Military Home N/A 5.250%*
First Home Targeted 6.000%* 5.250%*
First Home 6.250%* 5.500%*
Homebuyer Assistance (HBA) 6.500%* - 1st loan
1.000%* - 2nd loan
5.750%* - 1st loan
1.000%* - 2nd loan
Welcome Home++ 6.750%* 6.000%*
Welcome Home Assistance (WHA)++ 7.000%* - 1st loan
1.000%* - 2nd loan
6.250%* - 1st loan
1.000%* - 2nd loan

Last changed 03/23/2023 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.

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. 

Chat with Quinn the QualBot (find the chat icon in the lower-right corner of the webpage) to find out if you're eligible today!

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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