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Conventional (Fixed and Adjustable (ARM) Rates): Standard "conventional" fixed rate or adjustable rate mortgage financing is available to all members. These loans can be written for up to 30 years and can have minimal down payment requirements. Conventional loans can be used for purchase or refinance and have a variety of repayment options.

Rural Development (RD): The RD loan is a government guaranteed loan that requires no money down for purchase and can be written for up to 30 years. Members applying for this type of loan must meet certain income restriction guidelines. This is an excellent choice for middle and low income families wishing to buy their first home or a different home that better suits their needs.

Federal Housing Administration (FHA): An FHA loan requires very little money down upon purchase and is guaranteed by the federal government. There are no income restrictions and certain property conditions apply. Rates are fixed and the term can be as long as 30 years. FHA can also be used to refinance your present mortgage.

Nebraska Investment Finance Authority (NIFA): This is Nebraska's first time homebuyer program. NIFA offers a low fixed rate loan for up to 30 years for first time homebuyers. The rate and terms can be used on a conventional, FHA or RD loan. Certain income guidelines apply.

Down Payment Assistance: Down payment assistance is available to help with the purchase of a new home. Through the credit union's affiliation with the Federal Home Loan Bank (FHLB), it can make down payment monies available to it members. Qualifying for these funds can be quick and easy.

NeighborWorks® Northeast Nebraska: The credit union's partnership with this non-profit community based organization helps its members achieve homeownership. By using federal and state funds and loan programs offered by the credit union, members have an enhanced opportunity to purchase a home. Homebuyer education workshops are also available.