The Path to Affordable Homeownership: If You’ve Got the Drive, We’ve Got the Assistance

Right about now, many of us are starting our lists of what we’re thankful for and thinking about the memories we’d like to make before 2021 comes to a close. As we enter this season of reflection, we challenge you to not only look in that rearview mirror to reminisce, but also see the opportunities on the road ahead. Could one of those be homeownership?

• Home At Last by Nevada Rural Housing 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 options with up to $27,000 in Down Payment Assistance with FHA, VA, USDA Guaranteed and Conventional loan options.

• Competitive mortgage rates ensure years of affordable homeownership.

• Mortgage Credit Certificates (MCCs) for eligible first-time homebuyers or qualified veterans provide federal tax credits for the life of the loan — up to $2,000 per year! Plus, the MCC benefit is considered additional income when buying a home, so it boosts purchasing power and lowers debt-to-income ratios.

• Use the Home At Last™ Program and receive a HAL Pals pet adoption certificate — we’ll cover the adoption fee!

• Home At Last™ is available in parts of your county and throughout Nevada in communities with populations under 150,000. For Clark County, visit HALMap.org to verify eligible areas.

• Get started at HomeAtLastEducation.org — homebuyer education is required and available online 24/7 at no cost to you!

• Then, connect with a Home At Last™ participating lender at FindANevadaLender.org and a certified Home At Last™ real estate professional at FindANevadaRealtor.org.

While the journey to homeownership looks different for everyone (and it may take some time), it’s definitely worth it! We can help navigate with accurate information, reliable resources and encouragement to help you take the first step toward homeownership when you’re ready. We’re kind of like an awesome back-seat driver, ready to help you with each turn along the way. Southern Nevadans will be Home At Last™ in rural Nevada! Make a move and visit HomeAtLastNV.org.

*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.