Simplify Your Mortgage With Low Fees, and Great Service
Whether you're buying a home or refinancing, we’ll secure a great rate and great terms—fast, simple, and stress-free!
Your Trusted Mortgage Broker in Omaha & Lincoln, NE
Competitive Rates. Personalized Service. Fast Approvals.
At Capital City Mortgage, we specialize in helping Nebraska homeowners secure the best mortgage solutions—whether you’re buying a home, refinancing, or exploring your loan options. Our expert mortgage brokers in Omaha and Lincoln, NE are dedicated to finding you the lowest rates and the best loan programs tailored to your needs.
Get Pre-Approved for Your Mortgage Today
Navigating the home loan process can be overwhelming, but we make it simple and stress-free. With our quick loan pre-approval process, you’ll know exactly how much home you can afford before you start shopping.
✅ Fast Pre-Approvals – A streamlined approach ensures a hassle-free experience.
✅ Low Down Payment Options – FHA, VA, and conventional loans available.
✅ Competitive Mortgage Rates – We shop the best rates so you don’t have to.
Omaha & Lincoln's #1 Mortgage Brokers
Looking for a mortgage broker in Omaha, NE or Lincoln, NE? Our local expertise and personalized service set us apart from big banks and online lenders.
We Offer:
🔹 Conventional Loans – Low down payment options available.
🔹 VA Loans – Exclusive benefits for veterans and active-duty military.
🔹 FHA Loans – Flexible credit requirements and low down payments.
🔹 USDA Loans – Zero down payment for qualifying rural properties.
🔹 Jumbo Loans – Financing for high-value homes.
🔹 Refinancing – Lower your interest rate and monthly payments.
Why Choose Capital City Mortgage?
✔ Local Experts – We understand Nebraska’s housing market.
✔ Personalized Service – You’re not just a number; we tailor loans to fit your needs.
✔ Smooth, Hassle-Free Closings – We work hard to close loans quickly and efficiently.
📍 Serving Omaha, Lincoln, and all of Nebraska.
📞 Call us today at 402-489-2099 or Apply Online.
Today's Mortgage Rates in Omaha & Lincoln
Looking for the best mortgage rates in Omaha, NE? Rates change daily, so contact us to lock in a low interest rate on your home loan.
Home Loan Products
Simplified Loans, Smarter Homeownership
Conventional
FHA
VA
USDA
Jumbo
Non-QM
Reverse Mortgages
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!
Reverse Mortgages
Unlock the financial freedom you deserve with a reverse mortgage from Capital City Mortgage. Designed for homeowners aged 62 and above, this program allows you to convert your home equity into tax-free cash, providing you with the flexibility to enjoy retirement on your terms. Whether you’re looking to supplement your income, cover healthcare expenses, or embark on new adventures, our team in Lincoln and Omaha is here to guide you through the process with expertise and personalized service. Take control of your financial future today—contact us to learn how a reverse mortgage can work for you.
Purchase Pro
Start here for quick advise about your new home loan and purchase.
Quick Quote
Curious where mortgage rates are? Click here for a quick update.
Refinance Pro
Looking for advise about a mortgage refinance? Click here.
Ask a Professional
Got a mortgage or home loan question?
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Top Mortgage Questions
What is a pre-approval for a mortgage?
Obtaining a mortgage is a significant step towards owning a home. However, understanding mortgage terminologies and processes can be overwhelming, especially for first-time buyers. One of the crucial steps in the mortgage journey is getting a mortgage pre-approval. In...
How do mortgages work
For many individuals, owning a home is a lifelong dream. However, the thought of navigating the complex world of mortgages can be overwhelming. Understanding how mortgages work is crucial to making informed decisions and achieving your homeownership goals. In this...
Why you should work with a local mortgage broker in Nebraska
When it comes to purchasing a home in Nebraska, choosing the right mortgage lender is a crucial decision. While big banks and nationwide lenders may seem like attractive options due to their advertised low prices, working with a local, independent mortgage broker can...
How to find a mortgage lender in Omaha?
With so many option available, it can be overwhelming to choose the perfect mortgage lender in Omaha. But don’t worry, we’ve got you covered.
Why you need a mortgage lender in Omaha
A mortgage lender plays a crucial role in the home buying process. They provide the financial assistance you need to purchase your dream home. A good mortgage lender will offer competitive interest rates, a simplified loan process, and proactive communication. With a mortgage lender in Omaha, you will be working with a mortgage professional who understands the local market and can guide you through the complexities of the mortgage process.
How to find a mortgage lender in Omaha
So, how do you find a reliable mortgage lender in Omaha? Here are some tips to get you started:
- Ask for referrals: Ask family, friends, or colleagues who have recently purchased a home in Omaha for recommendations.
- Check Online Reviews: Research mortgage ledners online and read reviews from customers.
- Compare Rates: shop around and compare interest rates, fees, and terms offered by different mortgage lenders.
- Check credentials: ensure that the mortgage lender is licensed and has a good standing with the Nebraska Department of banking and finance.
Get Started Today
Finding a mortgage lender in Omaha doesn’t have to be daunting. By researching, asking the right questions, and comparing options, you can find the perfect mortgage lender to help you achieve your dream of homeownership. Don’t wait any longer – learn the benefits of working with Capital City Mortgage today!
How to find a mortgage lender in Lincoln?
Selecting the perfect Lincoln mortgage lender from the variety of options available can be overwhelming. We can help you with that.
Why You Need a Lincoln Mortgage Lender
A crucial aspect of purchasing a home is having a mortgage lender on your side. They provide the financial guidance and assistance needed to purchase your dream home. Essential qualities of an excellent mortgage lender include competitive interest rates, a straightforward loan application process, and proactive communication.
Partnering with a Lincoln mortgage lender connects you with a mortgage expert well-versed in the local market, guiding you through the complexities of securing a mortgage.
How to Find a Lincoln Mortgage Lender
Here are some tips to help you find a reliable mortgage lender in Lincoln:
- Seek Recommendations: Reach out to family, friends, or colleagues who have recently purchased a home in Lincoln.
- Read Online Reviews: Research and read customer reviews of mortgage lenders online.
- Compare Rates: Do your due diligence and compare terms, fees, and interest rates from different lenders.
- Verify Credentials: Ensure the lender is in good standing with the Nebraska Department of Banking and Finance and holds a valid license.
Kickstart Your Home Buying Journey
Finding a mortgage lender in Lincoln doesn’t have to be daunting. By conducting research, asking the right questions, and weighing your options, you can find the perfect lender to help you achieve your homeownership dreams.
Don’t delay any longer
Take advantage of the benefits offered by Capital City Mortgage today!
Mortgage Updates
When it comes to securing a home loan, especially for veterans, understanding the intricacies of mortgage rates is crucial. In the heart of the Midwest, Omaha, Nebraska, stands as a vibrant city with a rich history. For veterans considering homeownership in this area,...
As the chilly winter days make way for the warmth of and EARLY spring, it's the perfect time to give your home a rejuvenating makeover. Spring cleaning isn't just about dusting and decluttering; it's an opportunity to breathe new life into your living space. Here are...
Buying a house is one of the most significant financial decisions we make in our lives. It's a process that requires careful consideration, research, and negotiation skills. Making an offer on a house is an art in itself, as it involves striking the right balance...
For many homeowners, a mortgage is one of the most significant financial commitments they will make in their lifetime. Over time, however, circumstances change, and what once was the perfect mortgage may no longer be the best fit. This is where refinancing comes into...
Achieving the dream of homeownership often begins with a solid plan for saving up for that all-important mortgage down payment. While the task may seem daunting, especially in today's real estate market, there are numerous creative and practical strategies that can...
The VA IRRRL (Interest Rate Reduction Refinance Loan) program is a valuable benefit offered by the Department of Veterans Affairs (VA) to eligible veterans and service members. Designed to make refinancing simpler and more affordable, the IRRRL program has gained...