Omaha Purchase Loans
Simplify your mortgage by optimizing your income, assets, and credit
Omaha Purchase Mortgage
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.
Embarking on the exciting journey of buying a home in Omaha, NE requires careful consideration of the various purchase mortgage options available. Our expert team at Capital City Mortgage is dedicated to assisting you in navigating through these choices to turn your homeownership dreams into reality, whether you’re a first-time buyer or looking to upgrade.
1. Omaha Conventional Mortgage:
A preferred choice among Omaha homebuyers, the conventional mortgage provides the flexibility of fixed or adjustable interest rates, requiring a minimum down payment of 3%. Tailored for individuals with good credit scores and stable income, our expert team collaborates with reputable lenders to secure competitive rates and flexible terms for your home purchase.
2. Omaha FHA Loan:
For those with lower credit scores or smaller down payments, consider the FHA loan, backed by the Federal Housing Administration. With credit scores as low as 580 and down payments as little as 3.5%, FHA loans offer attractive interest rates and lenient qualification criteria. Our mortgage experts are ready to guide you through the FHA loan process, making homeownership an affordable option.
3. Omaha VA Loan:
Active-duty service members, veterans, or surviving spouses can benefit from the VA loan, guaranteed by the Department of Veterans Affairs. Offering 100% financing and competitive interest rates, VA loans have flexible qualification criteria. With our team’s extensive experience, we assist veterans and military personnel in securing VA loans for a smooth and hassle-free experience.
4. Omaha USDA Loan:
If you’re eyeing homes in eligible rural areas surrounding Omaha, the USDA loan might be the perfect fit. Guaranteed by the U.S. Department of Agriculture, these loans provide 100% financing and attractive interest rates, promoting homeownership in rural communities. Our team is equipped to provide the information and assistance needed to explore this option.
5. Omaha Jumbo Mortgage:
Purchasing a high-value property in Omaha? Consider a jumbo mortgage, exceeding conventional loan limits. Our mortgage specialists, with access to various jumbo loan options, can tailor a mortgage to suit your unique financial situation and property requirements.
Conclusion:
Selecting the right purchase mortgage is pivotal in the Omaha home-buying process. With our expertise and a vast network of trusted lenders, Capital City Mortgage is committed to helping you find a mortgage option aligned with your needs and financial goals. Contact us today to explore the best Omaha mortgage programs and take the first step towards owning the home of your dreams!
Local Loan Options
Nebraska Mortgage Options
Nebraska residents have several mortgage options available to them. Conventional mortgages, with low down payments. FHA loans, require a smaller down payment and are generally easier to qualify for. VA loans are available to eligible active-duty military personnel and veterans. USDA loans help borrowers in rural areas with low to moderate-income purchase homes. Additionally, Nebraska residents may be eligible for various state and local first-time homebuyer programs and down payment assistance programs.
Lincoln Mortgage Options
Residents of Lincoln, NE can choose from a variety of mortgage options. Traditional mortgages are available with low down payments. An FHA loan is also an option, requires a lower down payment, and is generally easier to qualify for. VA loans are available to eligible active-duty military and veterans. USDA loans help rural low- to moderate-income home buyers. Additionally, Lincoln, Nebraska residents may be eligible for several state and local first-time buyer and down payment assistance programs.
Omaha Mortgage Options
Residents of Omaha, NE can choose from a variety of mortgage options. Traditional mortgages are available with low down payments. FHA loans are also an option, require a lower down payment, and are generally easier to qualify for. VA loans are available to eligible active-duty military and veterans. USDA loans help rural low- to moderate-income homebuyers. In addition, Omaha, Nebraska residents may be eligible for several state and local first-time buyer and down payment assistance programs.