houses in a rural community

Home ownership loans

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Make your dream of owning a home come true with the Center for Rural Affairs.

We work with rural Nebraskans to assist them on the journey to becoming a homeowner. The Center believes in building sustainable communities and that everyone living in rural America should have the opportunity to live a happy and fulfilling life. We help Nebraskans own stable, safe, and quality housing.

To serve more diverse community members, we are often more flexible than traditional lenders. We may be able to help if you dream of owning a home but have little to no credit history or a low credit score.

Home Loan Terms 

Amount: Between $5,000 and $100,000   

Term: Up to 15 years (180 months) and will be amortized over up to 30 years (360 months)

Rate: Contact a loan specialist. 

Down payment: We do not require applicants to provide a down payment on property to be purchased. However, applicants who provide a down payment may be eligible for discounted interest rates.

Use of funds: Purchase of home, Owner occupied rehabilitation or renovation, Emergency repair to a property. (For purchase of property to be rented, rehabilitated for sale, or for business use, see Small Business Loans.)

Download a pdf of the application here.