Nevada Rural Housing Authority

   NRHA - Home_At_Last_Final


Happy Thanksgiving to you & yours.  

eHousingPlus will be closed on Thursday & Friday. 

Please see below for available Reservation/Lock days.  Other system options (underwrite, changes, forms) are available as usual.

  • Closed Thursday – Reservation/ Locks will be closed
  • Open Friday – Reservation/ Locks will be open
  • Closed Monday – Reservation/ Locks will be closed due to the changes needed in order to implement the Tuesday, Dec 1 mandates by US Bank (manufactured housing, manual underwriting, FICO)



Lender / Program Portal

Note-Program details are available in the Administrator’s Guidelines, click on the Guide & Forms Tab

Nevada Rural Home at Last Programs

Note-Program details are available in the Administrator’s Guidelines
  • Continuous Funding
  • Reservation/Locks – AVAILABLE from 7:00am-5:00pm Pacific (10-8 EDT)
    • Other system functions are available 24/7

  • Reservations prior to 9/7/2015
    • Reservation to UW Cert: 15 calendar days (cancelled if not certified)
    • Reservation to Loan Purchase: 70 calendar days
  • Reservations as of 9/8/2015  NEW!
    • Reservation to UW Cert: 25 calendar days (cancelled if not certified)
    • Reservation to Loan Purchase: 70 calendar 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 a one-time 30-day extension, click here.
  • Extensions are not granted to extend the days from Reservation to UW Certification
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.
  • It is the lenders responsibility to verify that if the property is in any of the above cities it qualifies. Please see instructions below.
  • There is no first-time homebuyer requirement in this program.
  • For non- residents, follow Agency (FHA, VA, etc) guidelines
  • Buyers must occupy the property within 60 days of closing
  • Government – FHA, VA, USDA-RD
  • Conventional – HFA Preferred
  • Assistance is in the form of a non-repayable grant
  • Automatically Calculated on the final Loan amount (Note)
  • 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
  • Mid FICO score must be 640 or higher
  • Max 45 debt-to-income (DTI) ratio
  • Follow Agency guidelines (FHA, VA, etc)
  • Co-signers cannot be named on the Warranty Deed.
  • Approval by NRHA & US Bank
  • Available online within the loan & 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
  • To contact US Bank Lender Help Desk, Click here.
Reservation/locks – AVAILABLE from 7:00am-5:00pm Pacific (10-8 EDT) Market Business days, excluding weekends & holidays

Current Rates/Offerings – Please make sure you make the correct selection when reserving

Rate/Offerings DPA Lock Rate Effective Date Origination / Discount  Pts SRP Paid at loan Purchase
Government loans (FHA,VA,USDA) w/2% 4.125% 11/24 0 2.25% (1.75% VA)
w/3% 4.375% 10/29 0 2.25% (1.75% VA)
  FHA & VA loans ONLY   w/4% 4.625% 11/13 0 2.25% (1.75% VA)
w/5% 5.000% 10/19 0 2.25% (1.75% VA)
HFA Preferred loans        n/a 4.25% 11/06 0 2.25%
w/3% 4.750% 11/16 0 2.25%
w/4% 5.125% 11/09 0 2.25%
w/5% 5.25% 11/5 0 2.25%


  • 30 Year, Fixed Rate, Amortized
  • *Most current rate is available online after you login.


  • Various levels of assistance, driven by rate & loan types
  • Non-repayable Grant
  • System will automatically calculate based on the final loan amount (Note)
  • Lender up-fronts 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 (10/20)  Administrator's Guidelines 7/1 8/17                    

  • 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
  • Banc of California
  • 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
  • Crosscountry Mortgage
  • DHI Mortgage
  • Dignified Home Loans
  • Evergreen Home Loans
  • Everett Financial dba Supreme Lending
  • Fairway Independent Mortgage Corporation
  • First Option Mortgage, LLC
  • First California Mortgage Company
  • Franklin American Mortgage Company
  • Freedom Mortgage Corporation
  • Greater Nevada Mortgage Services
  • Guild Mortgage
  • Home Community Mortgage
  • International City Mortgage
  • Land Home Financial Services, Inc.
  • Lenox Financial Mortgage Corporation, dba Weslend Financial.
  • LeaderOne Financial Corp.
  • LoanDepot dba iMortgage
  • Mann Mortgage
  • Mason-McDuffie Mortgage Corporation
  • Movement Mortgage, LLC
  • OCMBC, Inc
  • One Nevada Credit Union
  • Paramount Residential Mortgage Group
  • Peoples Home Equity, Inc.
  • Peoples Mortgage Company
  • 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
  • Sierra Pacific Mortgage Company
  • South Pacific Financial Corporation
  • Southern Fidelity Mortgage
  • Stearns Lending
  • Stonegate Mortgage
  • Summit Funding Inc.
  • The Federal Savings Bank
  • Universal American Mortgage Corp (UAMC)
  • US Bank Home Mortgage
  • VanDyk Mortgage
  • Venta Financial Group DPA Alterra Home Loans
  • W J Bradley Mortgage Capital LLC
  • Wells Fargo Home Mortgage


Interested in becoming a participating lender?   Contact us.

Program Updates
  • 9/8- the Program will now offer 8 Rates/Offerings, the 1% origination/discount fee has been eliminated
  • 9/3-Progam name updated to Home at Last
  • 6/29- The conventional product, HFA Preferred  will be available for new reservations effective  7/1
  • 6/9-Updated guidelines – servicer fee
  • No refinance loans (except loans currently being serviced by US Bank)
  • 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.