8 Best Nebraska Mortgage Lenders of 2021
If you are looking to buy or refinance a home in Nebraska, NerdWallet can help you choose from some of the best mortgage lenders in the state.
Last updated on January 20, 2021
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Owning a home in Nebraska puts you close to natural beauty, amazing outdoor activities and frontier cities teeming with a work hard/play hard ethic. Buying or refinancing that home shouldn't dampen the enthusiasm for where you live.
NerdWallet has researched major mortgage lenders in Nebraska and identified those that excel in one aspect or another of the home loan lending process. Whether you're a first-time buyer or a downsizing retiree, there's a financial fit for you.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
8 Best Nebraska Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
580 | 3% | Learn more at New American Funding | ||
620 | 3% | Learn more at Veterans United | ||
N/A | 3% | |||
640 | 0% | |||
N/A | 0% | |||
620 | 5% | |||
620 | 3% | |||
660 | N/A |
Learn more
at New American Funding
New American Funding: NMLS#6606
4.0
Home loans overall
NerdWallet ratingMin. credit score
580
Min. down payment
3%
Why We Like ItNew American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.
Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
Cons
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
Learn more
at Veterans United
Veterans United: NMLS#1907
4.5
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
3%
Why We Like ItVeterans United is the largest VA loan lender in the country, accounting for nearly a third of all VA loan originations. Most likely to appeal to veterans and servicemembers.
Pros
- 24/7 customer service line supports servicemembers stationed internationally.
- Niche VA products, including refinances, EEMs and VA jumbo loans.
- Maintains a network of real estate agents experienced with VA borrowers.
Cons
- No HELOCs or home equity loans.
- No renovation loans.
- No live chat feature on website.
Guild Mortgage: NMLS#3274
4.0
Home loans overall
NerdWallet ratingMin. credit score
N/A
Min. down payment
3%
Why We Like ItGuild offers a number of loans and programs that stand out, including renovation loans and home equity products. However, Guild does not have a mobile app, and interest rates aren’t published online.
Pros
- Offers several programs to make homeownership more accessible.
- Offers loans for manufactured homes.
- Renovation loan options are available.
Cons
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
Why We Like ItGood for: veterans, active-duty service members and eligible reservists looking for VA loans.
Pros
- VA loans are the bulk of USAA’s business, so it knows the ins and outs of eligibility.
- Offers a conventional home loan with low down payment for first-time buyers.
Cons
- Doesn’t offer FHA or USDA loans, or second mortgages.
- Limited mortgage rate information is on the USAA website. For customized rates, you'll have to make contact.
Why We Like ItGood for: military members and their families looking for low-down-payment mortgages.
Pros
- Offers a wide range of affordable mortgage products, including 0% down payment loans, designed for military members.
- Offers HELOCs and home equity loans.
- Offers low rates compared with most lenders, according to the latest federal data.
Cons
- Website does not provide customized mortgage rates based on credit score or other factors before you apply.
- Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.
loanDepot: NMLS#174457
4.5
Refinancing
NerdWallet ratingMin. credit score
620
National / regional
National
Why We Like ItGood for: borrowers who want an easy online application and a variety of loan types to explore.
Pros
- Has branches across the country for customers who prefer face-to-face service.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Mortgage interest rates tend to be on the lower end, according to the latest federal data.
Cons
- Mortgage rates aren't available online; you'll need to contact a loan officer.
- Doesn't offer home equity loans or lines of credit.
Wells Fargo: NMLS#399801
4.5
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
3%
Why We Like ItWells Fargo has significant upsides and shortcomings. Sample rates are easy to view, assistance programs may apply and the lender earns solid scores in our rankings, but its consumer trust track record is rough.
Pros
- Sample rates are shown for various loan products, along with the type of borrower and loan that would get them.
- Offers generous down payment and closing cost assistance programs for qualified borrowers.
- Market leader in number of jumbo loans and refinances originated, according to the latest federal data.
- Rate-and-term refinance interest rates offered are lower than average, according to the latest federal data.
Cons
- Home loans business is broadly focused on existing bank customers.
- Doesn’t offer specialty home loans or equity borrowing (home equity loans or HELOC).
- Scandals and government actions have damaged consumer trust in recent years.
US Bank: NMLS#402761
5.0
HELOCs
NerdWallet ratingNational / regional
National
Max LTV
90%
Min. credit score
660
Why We Like ItU.S. Bank’s HELOC offers a rate discount and an option to convert to a fixed rate. It has a generous maximum draw, but the lender charges an annual fee and early repayment penalty.
Pros
- Online tool lets you customize sample rate by location.
- Offers a fixed-rate payment option.
- High maximum loan amount compared with other lenders.
Cons
- Charges a fee for early repayment.
- Annual fee up to $75 (waived for certain banking customers).
More from NerdWallet
Last updated on January 20, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
NerdWallet's Best Nebraska Mortgage Lenders of 2021
- New American Funding: Best for first-time home buyers
- Veterans United: Best for government-backed loans
- Guild Mortgage: Best for first-time home buyers
- USAA: Best for VA loans
- Navy Federal: Best for VA loans
- loanDepot: Best for refinancing
- Wells Fargo: Best for face-to-face service
- US Bank: Best for HELOC
