Mortgage Programs
Simplify your mortgage by optimizing your income, assets, and credit
Home Loan Programs
With all of the mortgage programs available, it is important to have a trusted professional by your side. We want to get you into the mortgage that will best help you maximize your financial well-being.
Purchase Loan
There is a wide variety of home loan choices when purchasing a house. From Conventional with 3%-20% down or more, to FHA which is great for first time home buyers or those looking to rebuild their credit, and the VA loans for veterans and active duty service member.
Refinance Loans
There are many situations where a refinance loan will benefit a borrower. Whether you want to lower your payment, consolidate debt, or need to remove a coborrower from a loan, we have many solutions available.
Modular Home Loan
Discover how to finance your modular home and make homeownership a reality. Learn about the affordability, customization options, and quick construction time of modular homes, along with valuable insights on securing a home loan. Read on to make an informed decision for your dream home.
Home Loan Products
Simplified Loans, Smarter Homeownership
Conventional
FHA
VA
USDA
Jumbo
Non-QM
Conventional Loans
Unlock the benefits of homeownership with a flexible, competitive conventional loan. With down payments as low as 3% and no mortgage insurance at 20% down, you save more over time. Higher loan limits and great rates make it a top choice. Contact Capital City Mortgage today to start your journey with confidence!
FHA Loans
An FHA loan makes homeownership possible with just 3.5% down and flexible credit requirements. Perfect for first-time buyers, it offers low rates and easier qualification. As mortgage brokers in Lincoln and Omaha, we secure some of the best pricing to save you more. Contact us today to explore your FHA loan options!
VA Home Loans
VA loans offer veterans and active-duty military zero down payment, low interest rates, and no PMI—making homeownership more affordable. At Capital City Mortgage, we specialize in securing the best VA loan rates in Lincoln and Omaha. You’ve earned these benefits—let us help you take advantage of them. Contact us today to get started!
USDA Mortgages
USDA home loans offer 100% financing, low rates, and affordable payments for buyers in eligible rural areas. With flexible credit guidelines and no reserve requirements, it’s a great option for low-to-moderate-income borrowers. At Capital City Mortgage, we’ll help you navigate the process and secure the best deal. Contact us today to see if you qualify!
Jumbo Loans
Jumbo loans provide the financing needed for luxury homes and high-value properties, exceeding conventional loan limits. With flexible options for high-income borrowers, they’re ideal for competitive markets. At Capital City Mortgage, we’ll guide you through qualification and secure the best terms. Ready to finance your dream home? Contact us today to explore your jumbo loan options!
Non-QM Mortgages
Non-QM loans offer flexible financing for self-employed borrowers, those with credit events, or non-traditional income. With alternative income verification and diverse loan options, they provide solutions beyond conventional mortgages. Capital City Mortgage specializes in helping you navigate Non-QM loans to fit your needs. Contact us today to explore your options and achieve homeownership on your terms!