Purchase Programs
Programs for Home Buyers
Mortgage programs are designed to help home buyers overcome common barriers such as down payment requirements and income qualification guidelines. These programs focus on affordability and eligibility rather than just loan structure. At Capital City Mortgage, we help buyers choose the right program based on their goals and financial profile.
Home Possible Mortgage
A Home Possible® mortgage from Freddie Mac offers affordable home financing with reduced down payment requirements for eligible Nebraska buyers
HomeReady® Mortgage
HomeReady® mortgages from Fannie Mae are designed to support affordable homeownership with flexible income and credit guidelines.
Modular Home Loan
A modular home loan provides traditional mortgage financing for qualifying modular homes in Nebraska.
Purchase Loan
A purchase loan provides mortgage financing to buy a home with competitive rates and flexible program options.
Nebraska Down Payment Assistance
Down payment assistance programs can help qualified Nebraska buyers bridge the gap to homeownership.
First-time Homebuyer
First-time homebuyer programs are designed to make purchasing your first home more affordable and accessible.
Refinance Programs
Programs for Current Home Owners
Refinance programs are designed to help homeowners improve their loan terms by lowering interest rates, adjusting monthly payments, or accessing equity when appropriate. These programs focus on long-term savings, cash flow, and financial flexibility rather than only replacing an existing loan. At Capital City Mortgage, we help homeowners evaluate refinance options based on current market conditions, equity position, and overall financial goals.
Home Possible Refinance
Home Possible refinance programs are designed for qualified low- to moderate-income homeowners who want more affordable loan terms. These options focus on flexible income guidelines and reduced costs while improving long-term affordability.
HomeReady Refinance
HomeReady refinance options help eligible homeowners lower payments or adjust loan terms using flexible income and household qualification guidelines. This program is well-suited for borrowers with stable income who want a more efficient mortgage structure.
Cash-Out Refinance
A cash-out refinance allows homeowners to tap into available home equity while replacing their existing mortgage. This option is commonly used for debt consolidation, home improvements, or other financial goals while maintaining a single mortgage payment.
Refinance Loans
Refinance loans allow homeowners to replace their current mortgage with a new loan that better fits their financial goals. Common reasons include lowering interest rates, changing loan terms, or improving monthly cash flow.
VA IRRRL
The VA Interest Rate Reduction Refinance Loan is designed for eligible veterans with an existing VA loan. This streamlined option focuses on lowering interest rates and payments with reduced documentation and no appraisal in many cases.
VA Cash-Out Refinance
A VA cash-out refinance allows eligible veterans to access home equity or refinance a non-VA loan into a VA mortgage. This option provides flexibility for financial planning while leveraging VA loan benefits.
FHA Streamline Refinance
An FHA Streamline refinance allows homeowners with an existing FHA loan to reduce their rate or payment with minimal documentation. This option is intended to improve affordability without a full credit or income review in many cases.
FHA Refinance
FHA refinance options allow homeowners to replace their existing mortgage with an FHA-insured loan. These programs are often used to improve qualification flexibility, adjust loan terms, or transition from another loan type.
USDA Streamline Refinance
USDA Streamline refinance programs help eligible rural homeowners improve loan terms while maintaining USDA loan benefits. These options are designed to reduce interest rates and payments with simplified qualification requirements.
HECM Reverse Refinance
A HECM reverse mortgage refinance allows eligible homeowners age 62 and older to replace an existing reverse mortgage with a new HECM loan. This option is often used to access additional available equity, adjust loan terms, or take advantage of changes in home value or interest rates while maintaining the flexibility of a reverse mortgage.