My image

Homebuyers & Renters

Current rates

Program
Name
Conventional
Loan Rate
Government
Loan Rate
Military Home N/A 5.125%*
First Home Targeted 5.500%* 5.125%*
First Home 5.750%* 5.375%*
Homebuyer Assistance (HBA) 6.000%* - 1st loan
1.000%* - 2nd loan
5.625%* - 1st loan
1.000%* - 2nd loan
Welcome Home++ 6.375%* 6.000%*
Welcome Home Assistance (WHA)++ 6.625%* - 1st loan
1.000%* - 2nd loan
6.250%* - 1st loan
1.000%* - 2nd loan
Refinance Home 7.125%* 6.750%*

Rates Page

Last changed 11/26/2025 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.

a couple carrying a box
a family riding a bike
Home is where your story begins. Whether you are buying a home or searching for a place to rent, NIFA is here for you. 

Find out if you're eligible for a NIFA home loan by chatting with Quinn the QualBot today! Look for Quinn's chat prompt in the lower right corner of your browser window.

Connect with a NIFA Specialist

Featured Loan Officer Specialists 

Star status indicates the loan advisors who closed the most NIFA loans last year. Learn how to become a NIFA Specialist.

NIFA Specialist
NIFA Certified
 Kirk
Kirk "Butch" Moural
Aurora , NE
Pinnacle Bank
4026946709
NIFA Specialist
NIFA Certified
 Angie Schwartz Photo
Angie Schwartz
Lincoln , NE
Lincoln Federal Savings Bank
4024401718
NIFA Specialist
NIFA Certified
 Rachel Pierce Photo
Rachel Pierce
Omaha , NE
Benchmark Mortgage
14029331527
NIFA Specialist
NIFA Certified
 Barb Bulow Photo
Barb Bulow
Lincoln , NE
Union Bank & Trust
4023231988
NIFA Specialist
NIFA Certified
 Kayci Parker Photo
Kayci Parker
OMAHA , NE
Gershman Mortgage
14023326985
NIFA Specialist
NIFA Certified
 Lori Leonard Photo
Lori Leonard
Kearney , NE
Pinnacle Bank
3082348573