Affordable Homeownership Programs

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Current Rates (last changed 6/18/21 at 9:00 a.m.)

Program NameGovernment Loan RateConventional Loan Rate
Military Home2.250%*Not available
First Home Grant2.250%*2.750%*
First Home Targeted2.250%*2.750%*
First Home2.500%*3.000%*
Homebuyer Assistance (HBA)3.000%* - 1st loan rate
1.000%* - 2nd loan rate
3.500%* - 1st loan rate
1.000%* - 2nd loan rate

*Click here for the Information Sheet

*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. 

We were very excited to purchase our new home!! We were nervous and had no idea what we were doing, but our lender and our realtor helped us so incredibly much through the entire experience. It went so smoothly and now we are happy in our new home!!!

NIFA Homebuyer

Homebuyer Education

NIFA requires homebuyer education for all NIFA loans. These classes provide the highest benefit when taken early in the home buying process (before searching for a home).

Start exploring these approved courses today:

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We offer competitive interest rates, low or no down payment loans, low mortgage insurance premiums for conventional loans, and loans for down payment and closing cost assistance.  Our unique home loan programs have features that can lower your monthly payments, increase your buying power and remove barriers to homeownership.