.png?pfvId=19r6az.ku4aj70z)
Homebuyers & Renters
Homebuyers & Renters
Current rates
| Program Name |
Conventional Loan Rate |
Government Loan Rate |
|---|---|---|
| Military Home | N/A | 5.500%* |
| First Home Targeted | 6.000%* | 5.500%* |
| First Home | 6.250%* | 5.750%* |
| Homebuyer Assistance (HBA) | 6.500%* - 1st loan 1.000%* - 2nd loan |
6.000%* - 1st loan 1.000%* - 2nd loan |
| Welcome Home+ | 6.875%* | 6.375%* |
| Welcome Home Assistance (WHA)+ | 7.125%* - 1st loan 1.000%* - 2nd loan |
6.625%* - 1st loan 1.000%* - 2nd loan |
| Build Home++ | Varies* | Varies* |
| Refinance Home | 7.625%* | 7.125%* |
Last changed 05/12/2026 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.
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
- Loan Officers
- Real Estate Agents
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
NIFA Specialist
NIFA Certified
NIFA Specialist
NIFA Certified
Community Stories
.png?pfvId=19s1oz.l1mah4rc)
1248 O Street, Suite 601
Lincoln, NE 68508-1578
Office Hours
Monday - Friday, 8a - 5p
© NIFA 2021