Mortgage Omaha
Your Trusted Mortgage Lender Serving Omaha, NE
Whether you’ve lived in the area your whole life, are returning after time away, or want to make a fresh move, Omaha offers a beautiful landscape and vibrant city life filled with friendly neighborhoods guaranteed to make you feel at home.
Omaha Mortgage Guy is your go-to place for lending resources in the area. Read on to learn more, or click the button below to submit your online application today to find out if you’re pre-approved for a mortgage.
My Goal as Your Mortgage Lender
My goal and aspiration as one of the area's most trusted mortgage specialists is to provide you with incredible financial products and such an exceptional mortgage process or refinancing experience that you feel comfortable introducing me to friends and family.
I see a huge opportunity to help an immense amount of people realize their financial goals through loan products or refinancing, and it is my hope you will be right there alongside me.
Unlike most mortgage lenders or mortgage brokers who see customers as transactions, I am committed to nurturing long-term relationships with my mortgage and refinance clients so they always have a trusted resource that is just a phone call or email away.
I'm also committed to being a "True Community Lender" - a part of the local community, lending in my backyard to neighbors and new members, and being a part of the foundation that strengthens it by being a high-level service provider.
My "True Community Lending" philosophy means that the best surprise is no surprise. Some lenders promise you one thing, then, too late, tell you that you didn’t qualify for a home loan. This can be financially and emotionally devastating.
My goal as a loan officer is to offer comprehensive mortgage services, helping you select the best financing option for you, answering any questions you have about loans or your loan documents, and making sure that the terms you apply for are what you're receiving at closing, as well as keeping you informed throughout the entire home loan approval and new home purchase process.
The Highest Rated Neighborhood in Omaha, NE
Omaha, NE, is a great city to call home. With plenty of job opportunities and a vibrant economy, Omaha offers something for everyone. If you're looking to buy a home in Omaha, you have several excellent neighborhoods to choose from.
The Benson neighborhood in Omaha, NE, is one of the most sought-after places to live in the city. It's a vibrant and diverse area full of exciting activities, great locally-owned restaurants, and plenty of entertainment options. The housing market is booming, with a wide array of homes available, including single-family homes, duplexes, townhouses, condos, and more. The community also boasts excellent schools and an abundance of parks, making it an attractive location for families.
Thanks to its central location within Omaha's city limits, residents have easy access to all that the city offers. From theater performances to biking trails to outdoor festivals being held year-round, there's something for everyone in Benson. Many businesses call this neighborhood home as well – from local boutiques to large corporations – giving locals plenty of job opportunities right in their own backyard.
Omaha, NE, prides itself on having a low cost of living, and that rings true for Benson as well: homes here are priced at an average of about $220K (down from $230K last year), which makes it an accessible option for those looking to purchase a new home. With easy access to public transportation and highways nearby too, commuting into downtown Omaha for work or leisure is simple and convenient.
Benson really does offer a little bit of everything: from affordable housing options to close proximity to all the amenities that make Omaha, NE, so desirable; it’s no surprise that this neighborhood is consistently rated one of the best places within the city limits to buy a new home.
Some Frequently Asked Questions
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A: Home Loan pre-qualification is used by a mortgage broker or lender to help you determine how much of a loan you can afford. This is beneficial to you when house hunting so that you don’t fall in love with a house that you can’t afford. Pre-approval is saying that you are conditionally qualified by a financial institution for a loan.
This is, of course, subject to the review of your completed application, verification of your income, assets, employment history, credit check, etc. Having pre-approval makes the home-buying process go much smoother when you’re ready to submit an offer on a home.
If you're curious about what loan amount you might qualify for before you fill out an online application, you can download my Mortgage Calculator app.
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A: No, submitting your loan or refinance application to a loan officer or mortgage broker is free. You’re under no obligation to purchase or refinance once you submit your application.
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A: This varies based on the loan program (such as conventional loans, First Time Home Buyers loans - FHA, or VA loans, etc.) and whether you're looking to purchase a home as first-time homebuyers or refinance a current mortgage.
While there are several mortgage solution programs that require income statements and past tax filings, others don’t require any documentation at all. Once we determine what type of loan is best for you, I’ll be able to give you a complete list of the documents needed to proceed.
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A: Once I receive your application, I’ll review it to see if any additional information is needed for your credit approval. Either way, I will be in touch with you within 24 - 48 hours.
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A: There are several loan programs that don’t require down payments depending on your credit score, employment history, location, etc. Once you fill out an application, we can determine whether or not this is an option for you.
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A: Mortgage insurance is financial protection for the bank or lender against taking a financial loss in the event that the clients (lendee) default on the loan (stops making payments). It is required on mortgage programs with little or no down payments, such as an FHA or First Time Home Buyers loan.
There are several ways in which mortgage insurance can be avoided on loans, and we can explore those once we have your application.
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A: Yes, it's possible. Depending on several factors, including whether you filed Chapter 7 or Chapter 13, there may be a brief waiting period of 2-4 years before you can get approval for another mortgage loan.
The best mortgage lenders will work with you to help you prepare for when you are able to apply for home loans. I’m happy to speak with you about your options based on your current situation.
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A: Government-backed loans have become a great option for clients. They are easy to qualify for and have low rates, which are incredibly attractive to buyers. Many of these programs have incentives such as little to no down payments, no pre-payment penalties, and fewer fees and charges for establishing the loan.
I will be happy to go over them all with you in detail to determine which of the Nebraska home loans is the right loan for you.
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A: Your Adjusted Rate Mortgages have variable interest rates. These rates can change on a monthly basis depending on the current market conditions. They are determined by adding a margin to an index on a specific date.
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A: This is a short-term loan that includes payments that gradually reduce the total initial cost over a longer period of time. These payments won’t pay off the loan within the term, so the remaining balance (aka the balloon payment) is due in full at the maturity of the note.
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A: The interest rate is the rate you agree to pay for your mortgage loan. It is used to determine the interest portion of your monthly mortgage payment. The annual percentage rate (APR) includes your interest rate and prepaid finance charges to give you an average yearly rate.
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A: This is set up by lenders on your behalf to collect money for property tax payments and homeowners insurance in equal amounts over the course of the year. Your escrow account will stay up to date and pay your homeowners insurance and property taxes automatically, so you don’t have to worry about it when the time comes.
Why You Should Contact an Omaha Mortgage Lender before a Realtor
When it comes to buying a home in Omaha, NE, it's important to contact a professional Omaha mortgage lender or mortgage broker first before contacting a realtor for a first home search. Doing so will make the process easier and more efficient.
A Nebraska mortgage lender company can provide you with an estimate of what your monthly payments will be based on your current income and credit score. This information is invaluable when deciding if you're able to afford the house you want or how much of a down payment you need to save for.
They can also help explain the different loan products or loan types available, such as fixed-rate mortgages and adjustable-rate mortgages, so that you find the best one for you.
In addition to providing an estimate of monthly payments and helping explain loan options, a mortgage lender or mortgage broker can offer pre-qualification or pre-approval letters. These documents are important to realtors because they demonstrate that you have taken the steps necessary to become qualified for a loan, making them more likely to take your offer on a property seriously.
An exceptional service lender may even have access to certain properties through their network that aren't listed publicly yet, allowing you to get ahead of other potential buyers and snag that perfect place.
Mortgage lenders also provide valuable mortgage services, such as offering advice on budgeting for closing costs, consolidating debt, seeking out competitive rates, and other expenses associated with purchasing a home.
Since these fees add up quickly, having someone knowledgeable about the process can make sure you're not caught off guard by any unexpected expenses.
By working with a mortgage lender prior to contacting a realtor, potential homebuyers in Omaha, NE, can gain access to helpful information and resources, such as pre-approval documents and budgeting advice, that will make the entire process smoother and more successful.
In addition, since mortgage lenders or mortgage brokers often offer exclusive deals through their network of contacts and vendors, they might be able to help find property outside public listings before anyone else knows about it - giving pre-approved buyers an edge.
Consulting with your local mortgage lender or mortgage broker is key when considering buying property in Omaha, NE; doing so ensures that the mortgage process runs smoothly in both the short-term and long-term stages of becoming a homeowner!
Contact Us - Your Mortgage Omaha, NE Connection
Reach out regarding any questions you might have or to begin your pre-approval process.
Whether you’re looking in Omaha, NE, to purchase your first or third home, want to refinance, or are interested in VA loans, as your mortgage lender, I will help analyze your options and select the best mortgage process and loan products for you and your family.
Company - NMLS # 416668
NMLS # 368197
