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 | 0% | Learn more at Veterans United | ||
620 | 3% | |||
640 | 0% | |||
N/A | 0% | |||
620 | 5% | |||
620 | 3% | |||
620 | 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 ItGood for: first-time home buyers, military members and self-employed or underrepresented borrowers.
Pros
- Offers a wide variety of purchase and refinance mortgages with an emphasis on helping underserved communities.
- Its home equity line of credit can be used for an owner-occupied or second home.
- Has a program to enable buyers to make cash offers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Mortgage origination fees tend to be on the high end.
- Personalized mortgage rates are not available on the website without providing contact information.
Learn more
at Veterans United
Veterans United: NMLS#1907
4.0
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
0%
Why We Like ItGood for: veterans, active-duty service members and eligible reservists looking for VA loans.
Pros
- Offers 24/7 customer service over the phone.
- Offers a free credit counseling service.
- Mortgage rates are on the low side, according to the latest federal data.
Cons
- Parent company’s mortgage rates are on the higher side, according to the latest federal data.
- Does not offer second mortgage options like home equity loans or HELOCs.
Guild Mortgage: NMLS#3274
3.0
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
3%
Why We Like ItGood for: borrowers who value customer service, and first-time home buyers and others who may need the flexibility of a low-down-payment loan program.
Pros
- Offers a wide variety of loan options, including home improvement loans and mortgages for manufactured homes.
- Has branches in most states.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
- Origination fees and mortgage rates tend to be on the high side, according to the latest federal data.
- Mortgage rates are not published online.
- Mobile app receives mostly negative reviews from users.
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
4.0
Home loans overall
NerdWallet ratingMin. credit score
620
Min. down payment
3%
Why We Like ItGood for: existing customers of the bank looking for a wide selection of mortgage products, as well as self-employed borrowers and home buyers without Social Security numbers.
Pros
- Sample rates clearly posted for various loan products.
- Offers a wide variety of loan types and products, including options for borrowers who work for themselves and those without Social Security numbers.
- Mortgage rates tend to be on the low side compared with other lenders, according to the latest federal data.
Cons
- Home loans business is broadly focused on bank customers.
- Doesn’t offer home improvement loans, or home equity loans or lines of credit.
- Scandals and government actions have damaged consumer trust in recent years.
US Bank: NMLS#402761
4.0
HELOCs
NerdWallet ratingNational / regional
National
Max LTV
80%
Min. credit score
620
Why We Like ItGood for: Borrowers, particularly current U.S. Bank customers, seeking to tap into home equity with a rate discount, especially if there is no rush to receive funds.
Pros
- Publishes a sample HELOC rate online.
- Offers a fixed-rate payment option.
Cons
- Charges a fee for early repayment.
- $90 annual fee, waived for borrowers with a certain U.S. Bank checking plan.
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
