First-time homebuyers with low to moderate income may qualify for a fixed-rate 30-year loan through this program. Home purchases made within certain portions of the state do not have to be purchased by a first-time homebuyer to qualify. Applicants must have sufficient income and credit to otherwise qualify for a mortgage. Income and purchase price limits apply.

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.

The HOME program is available through local governments to for-profit and non-profit real estate developers who are involved in providing low-income housing for Nevada residents.

Those who qualify for the First Time Homebuyer loan and need assistance with the down payment and closing costs may apply for help under the terms of this program. Up to $5,000 per homebuyer is available in the form of a 20-year second mortgage with an interest rate of 2 percent above that of the first mortgage. Income and purchase price limits apply.

Qualified teachers may be eligible for a NHD First Mortgage loan through the Silver State Schools Credit Union. Loans offer below-market rates and subsidies for mortgage payments through the first five years of the loan term. After year five, homebuyers will then be issued a 20-year $15,000 loan with interest rates set at 2 percent above the rate on the first mortgage to repay the initial subsidies. Income and purchase price limits apply.