National Rate is helping more homebuyers qualify for the American Dream.

Program Details

First time homebuyers may be eligible to receive as much as 2% of their loan amount back as a lender credit towards closing costs. This can help to reduce or even eliminate closings costs for qualified buyers. This helps first time homebuyers qualify to purchase a home with a lot less money out of pocket.

First Time Homebuyers can receive up to:



in credits for closing costs



in credits for closing costs


  • 680 Min Credit Score
  • No Condo Allowed
  • First Time Home Buyer
  • $325,000 Min Loan Amount
  • Fixed Low Rate
  • 1 or 2 Unit Homes Only
  • Detached Homes Only
  • W2 Employees Only
  • Owner Occupied Only

Disclaimer: To be eligible for this offer you must be a US Citizen, permanent resident, or non-permanent resident with certain visa types. You must successfully complete your mortgage transaction between March 1, 2023, and October 31, 2023. Offer available while funds last. Maximum $10,000 lender credit for all transactions. Offer only available for homes in NJ, FL, CO, MD, CA.