Nevada Rural Housing Authority 2014

Nevada Rural Housing Authority

HOLIDAY HOURS -  Open for new reservation/locks  Dec 24 & 26 , Jan 2 - Closed Dec 25 & Jan 1 -   other system functions open as usual, 24/7

eHousingPlus Offices will be closed Dec 24-26 & Jan 1-2


Lender / Program Portal

2014 Home At Last (HAL) Access Program

for details on all summary items, please see the Administrator’s Guidelines-Guide & Forms Tab
  • Continuous Funding
  • eHP System available 365, 24/7
  • Program Reservations/Locks are available on business days between 7 am & 5 pm Pacific Time (10 am & 8 pm Eastern Daylight)

  • Reservation to UW Cert: 15 days (cancelled if not certified)
  • Reservation to Close and Delivery: 45 days
  • Reservation to Loan Purchase: 70 days
  • Any loan not purchased within 70 days is ineligible for purchase unless the lender chooses a one-time only 30-day extension.
  • To request an extension, click here. Extensions are not granted to extend the 15 days from Reservation to UW Certification. If that is not met, the loan will be cancelled.
ELIGIBLE AREAS State of Nevada

  • Except for:
    • the City of Reno in Washoe County
    • the following cities in Clark County: Henderson, Las Vegas, North Las Vegas, Paradise, Spring Valley, and Sunrise Manor.
  • If your property is in any of the above cities you must  look-up the Taxing District
  • There is no first-time homebuyer requirement in this program.
  • Buyers and their spouses must be able to permanently reside in the US.
  • Work visas, student visas, any temporary visas do not qualify.
  • Those with permanent asylum do qualify & should provide an I-9.
  • No refinance loans (except loans currently being serviced by US Bank)
  • Assistance 4% of the final loan amount – down payment or closing costs.
  • Cash back is not allowed.
  • Lender upfronts. US Bank will reimburse at purchase
  • Household income = 1003 Credit Qualifying Income (not co-signor’s)
  • For all Family SIzes $95,500
  • New or Existing construction $400,000
  • Homebuyer Education required.
  • Mid FICO score must be 640 or higher
  • Max 45 debt-to-income (DTI) ratio
  • Cosigners are permitted for FHA loans under very specific conditions.
  • Co-signers cannot be named on the Warranty Deed.
  • Approval by NRHA & US Bank
  • Available online under Forms
  • Provides information and training concerning the mortgage loan file, acceptable loan products, delivery and funding, reviews/purchases the mortgage file
  • Servicer Lender Guides, Click here
  • If you need assistance accessing the Servicer Lender Guides, Click here
  • To contact US Bank Lender Help Desk, Click here.
Reservation locks are available on business days between 7 am & 5 pm Pacific Time (10 am & 8 pm Eastern Daylight)

Current Rate*

  • 4.250%    Effective 12/01

* Most current rate is available online after you login.


4.00% Grant

Lender upfronts the exact amount of DPA. US Bank will reimburse at purchase

eHousingPlus is the Program Administrator, and provides some of the following services:
Administrator Guidelines Administrator's Guidelines

  • Provides the web-based program loan reservation and management system, Administrator’s Guidelines, Program forms, Lender Program and System Training, Notices and updates to Lenders, Compliance Support to Lenders, Reviews Compliance Files, Timelines, Works with the Agency and Master Servicer on Program Goals.
  • Need help, Click here

Program Sample Forms form

The Following Lenders have been approved to originate loans:

  • Academy Mortgage Corporation
  • All Western Mortgage Network
  • American Financial Network
  • American Pacific Mortgage
  • Axia Financial, LLC dba Axia Home Loans
  • Bank of England
  • Bay Equity LLC
  • Broker Solutions Inc DBA New American Funding
  • CalCon Mutual Mortgage LLC dba OneTrust Home Loans
  • Caliber Home Loans
  • Castle & Cook Mortgage
  • Catalyst Lending, Inc.
  • CMG Mortgage
  • Cobalt Mortgage
  • Cornerstone Home Lending, Inc
  • City First Mortgage Services
  • DHI Mortgage
  • Evergreen Home Loans
  • First Option Mortgage, LLC
  • First California Mortgage Company
  • Freedom Mortgage Corporation
  • Greater Nevada Mortgage Services
  • Guild Mortgage
  • International City Mortgage
  • Land Home Financial Services, Inc.
  • LeaderOne Financial Corp.
  • LoanDepot dba iMortgage
  • Mann Mortgage
  • Mason-McDuffie Mortgage Corporation
  • Movement Mortgage, LLC
  • Nationstar Mortgage (Home Community Mortgage LLC)
  • OCMBC, Inc
  • One Nevada Credit Union
  • Paramount Residential Mortgage Group
  • Peoples Home Equity, Inc.
  • Pinnacle Capital Mortgage Corporation DBA Alpine Mortgage Planning
  • PrimeLending
  • Prospect Mortgage
  • Pulte Mortgage
  • Republic Mortgage Home Loans, LLC
  • Residential Bancorp
  • RMS & Associates (Residential Mortgage Services)
  • Security National Mortgage
  • South Pacific Financial Corporation
  • Southern Fidelity Mortgage
  • Stearns Lending
  • Summit Funding Inc.
  • The Federal Savings Bank
  • Universal American Mortgage Corp (UAMC)
  • US Bank Home Mortgage
  • Venta Financial Group DPA Alterra Home Loans
  • Wells Fargo Home Mortgage

Interested in becoming a participating lender?   Contact us.

Program Updates
  • 6/9-Updated guidelines – servicer fee
  • 1/2 – New Income and Acquisition  Limits
  • 1/1/2014 – New Program Starts.
  • 1/1/2014 – Must be approved for the 2014 Home at Last Access program.  Contact Nevada Rural Housing Authority if you do not see your company listed under participating lenders.

EhousingPlus University


1. eHP Lender Program Training

    • Required for everyone participating in the program
    • offered 24/7
    • Click here to attend Program training

2. eHP System Training*

    • After you complete the online Lender Program Training, information is provided as to what happens next.
    • Click here to register for system training

Should you have any questions please contact

To read more about eHP Program Training, click here.  * System Training is required at least once, so that users gain the knowledge necessary to originate and manage their loans on-line. eHP University provides additional opportunities to re-train and/or refresh your system knowledge. Recurring (experienced) system users do not need to attend system training.