Posts from August 11th, 2025

Omaha's been getting national attention — it's been named the hottest housing market in the U.S. for 2025 — and that's creating urgency. But here's the good news: first-time buyers who know the local programs, loan products, and negotiation plays can still get in without overpaying. Below are 8 concrete, Omaha-specific strategies (with how-to steps) so you can act confidently, today.

1) Use NIFA's Homebuyer Assistance (HBA) — real dollars, designed for Nebraskans

What it is: Nebraska Investment Finance Authority's HBA pairs a competitive 1st mortgage with a second loan of up to 5% of purchase price to cover down payment/closing costs. That second mortgage is structured (example: 120 months/1% on the NIFA page), making the help manageable. Many first-time buyers who thought they couldn't save enough are getting into homes this way.
  
How to use it (step-by-step):

• Talk with a NIFA-approved lender (they'll walk you throug...

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