Top 10 Ways to Get Home At Last

Top 10 Ways to Get Home At Last

Home At Last is a program by Nevada Rural Housing and has provided access to affordable credit to more than 10,000 homeowners in rural Nevada. By providing Down Payment Assistance, homeowner tax credits that boost qualifying income, and homebuyer education, we work every day to connect rural Nevadans with homeownership solutions that are right for them.

Home At Last offers a wide range of Down Payment Assistance options for eligible homebuyers who earn less than $135,000 annually and have a minimum credit score of 640.

• Explore homeownership options from Home At Last™ with up to $27,000 in Down Payment Assistance with FHA, VA, USDA and conventional loan options.

• Competitive mortgage rates ensure years of affordable homeownership. Home At Last offers refinancing options, too!

• Mortgage Credit Certificates (MCCs) for eligible first-time homebuyers or qualified veterans provide federal tax credits for the life of the loan.

• Plus, the MCC benefit is considered additional income to boost purchasing power and lower debt-to-income ratios.

• Available in your county and throughout Nevada in communities with populations under 150,000. For Clark County, visit HALMap.org to verify eligible areas.

• Use the Home At Last Program to get a HAL Pals pet certificate to bring home a new friend! HAL will cover your pet adoption fee!

• Homebuyer education is required and is provided online 24/7 at HomeAtLastEducation.org (and it’s FREE!).

• Connect with a HAL participating lender and real estate partner at FindANevadaLender.org or FindANevadaRealtor.org.

• Southern Nevadans will be Home At Last in rural Nevada! Make a move and visit HomeAtLastNV.org and start your journey to homeownership!

• Home At Last, a program of the Nevada Rural Housing Authority does not originate mortgage loans. Eligibility for the Home At Last program is determined by licensed lenders approved to offer the program. Participating lenders are responsible to reserve Home At Last loans at the rates published with eHousingPlus and must follow all program and loan agency guidelines. Loan rates vary based on loan type and amount of assistance provided. Not all applicants will qualify. Reference to rates is for illustrative purposes only. For the MCC program, a first-time buyer is someone who has not owned a home in the past 3 years. This is not an offer to lend money or solicit a mortgage application. This institution is an equal opportunity provider and employer.