Buying a home
Our friendly mortgage loan experts will find the right loan for you. The first step is to prequalify.
Building a home
We’ll work with you and your builder to make the building process as easy and seamless as possible.
Refinancing can help you achieve long term financial goals by lowering your rate or shortening the life of your loan.
Improving your home
Home equity loans and lines of credit put your home’s equity to work for you.
Check Rates or Schedule a Consultation
When you start looking for your new home, calling your lender to get prequalified is a helpful first step. This way, you’ll be ready to act when you find the house you want to buy.
Make an offer
Once you’ve found the home you want to buy, you’ll make an offer. This is when you’ll apply for financing based on the home for which you now have a purchase agreement.
Preparing to move
From the time you submit your application to the day you close on your house, you’ll work with our team to collect documentation, get an appraisal, and get your loan approved. Working with an expert from the start can help you avoid any surprises near the end.
Get your keys
On closing day, you’ll sign your final loan documents and get the keys to your new home. We’ll help make the process as smooth as possible — after all, you have some moving in to do.
This calculator computes the most expensive house you can buy based on the highest payment you can afford, but does not indicate whether you would qualify for the loan.
Frequently Asked Questions
Although each situation is different, there are several reasons to refinance including:
- To lower your monthly principal and interest payments.
- To move to a secure, fixed rate loan.
- To take cash out of the equity in your home.
For more information on refinancing your home, call 402-323-1128 in Lincoln, or toll-free 1-800-297-2837.
Closing costs cover all the fees and expenses associated with a loan transaction. Closing costs may include fees for an appraisal, credit report, title insurance, survey, and points. Closing costs vary depending upon the loan product.
An appraisal is a report made by a qualified person, who sets forth an opinion or estimate of property value. Among other considerations of value, the appraisal uses recent local real estate sales activity as a major basis for valuation.
PMI is protection for the lender against loss if a borrower defaults. Typically for Conventional loans, PMI is required if your down payment is less than 20% of the purchase price. For example, on a purchase price of $100,000, PMI would be required if you put less than $20,000 (20% of $100,000) as a down payment. Other types of loans such as FHA, VA, and USDA have similar versions of PMI.
Once your home is complete your permanent mortgage loan (30, 20 or 15 year fixed) is nothing more than a refinance of the construction loan.
Get help from an expert
Loan products subject to credit approval.