First-time homebuyers and those looking to purchase a home in a targeted area may be eligible for this loan program. Interest rates for these mortgages, which are generally under market rates, are fixed over the life of the loan. Homebuyers may also qualify for this program if they lost their most recent home due to involuntary events such as divorce, natural disasters, or mandatory job-related relocations.

This low-interest first mortgage program is available to any prospective homebuyer who decides to purchase their home in one of several targeted areas of Nebraska. These areas include certain portions of Lincoln, Omaha, and Thomas County. Income and purchase price limits apply.

Those who qualify for the First Home mortgage and need assistance with the up-front costs of purchasing their home may be able to use First Home Plus. This program offers a first mortgage at affordable interest rates, but is different from First Home in that discount points and origination fees are waived at closing.

We are approved by the U. S. Department of Housing and Urban Development (HUD) to provide counseling, education and advice in housing issues to new and existing homeowners.