Nebraska Investment Finance Authority (NIFA) Loan Program

The first-time homebuyer mortgage loan has a fixed rate and can be less than non-NIFA mortgage rates. Qualifying NIFA loans must be insured by one of the following sources:
  • Federal Housing Administration (FHA)
  • Department of Veterans Affairs (VA)
  • Rural Development (USDA/RD)
  • Private Mortgage Insurance (for conventional loans)
Funds are not available for refinancing.

NIFA Loan Eligibility Requirements

Applicants must be first-time homebuyers evidenced by signed copies of the last three years of federal income tax returns (with certain exceptions) and must meet established income and purchase price limits.  More information can be found at