Home Mortgage Loans

Home Mortgage Loans

Purchase a new home or refinance your current home with our competitive mortgage rates and terms.  We retain the servicing on our home mortgages which means you'll always know who to call and where to send your payments!  Our friendly loan officers have the knowledge and experience to walk you through the entire mortgage process.

Contact Our Mortgage Department

Today's Rates

15 Year Fixed Rate

Rate %
4.000%
APR %
4.145%
Points %
0.000%

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. Choose a 15 year fixed rate loan if you're comfortable with a higher payment and you will have the benefit of substantial interest savings.


The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in NE and is within Douglas county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 4.000% interest rate, the APR for this loan type is 4.145%. The payment schedule would be:

  • 179 payments of $554.77 at an interest rate of 4.000%
  • 1 payment of $554.02 at an interest rate of 4.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.


The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in NE and is within Douglas county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 4.000% interest rate, the APR for this loan type is 4.145%. The payment schedule would be:

  • 179 payments of $554.77 at an interest rate of 4.000%
  • 1 payment of $554.02 at an interest rate of 4.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

20 Year Fixed Rate

Rate %
4.250%
APR %
4.364%
Points %
0.000%

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. By choosing a 20 year fixed rate loan, you will have the monthly payment that is greater than the 30 year fixed rate, but you will be building equity in your home faster.


The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in NE and is within Douglas county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 4.250% interest rate, the APR for this loan type is 4.364%. The payment schedule would be:

  • 239 payments of $464.43 at an interest rate of 4.250%
  • 1 payment of $463.36 at an interest rate of 4.250%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.


The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in NE and is within Douglas county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 4.250% interest rate, the APR for this loan type is 4.364%. The payment schedule would be:

  • 239 payments of $464.43 at an interest rate of 4.250%
  • 1 payment of $463.36 at an interest rate of 4.250%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

30 Year Fixed Rate

Rate %
4.500%
APR %
4.584%
Points %
0.000%

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. By choosing a 30 year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in NE and is within Douglas county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 4.500% interest rate, the APR for this loan type is 4.584%. The payment schedule would be:

  • 359 payments of $380.01 at an interest rate of 4.500%
  • 1 payment of $381.45 at an interest rate of 4.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in NE and is within Douglas county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 4.500% interest rate, the APR for this loan type is 4.584%. The payment schedule would be:

  • 359 payments of $380.01 at an interest rate of 4.500%
  • 1 payment of $381.45 at an interest rate of 4.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Other Home Mortgage-Related Programs We Offer:

  • Home Improvement Loans
    Add space or upgrade the space you have with a loan from us!
     
  • Home Equity Line of Credit (HELOC) Loans
    Tap into the equity of your home to finance such expenses as college tuition, medical bills, or business start-up costs.
     
  • Land Purchase Loans
    Buy the perfect land for the future location of your new home.
     
  • Home Construction Loans
    Build your new home with short-term financing during the construction phase and then we'll help you obtain the appropriate mortgage for the long-term once your home is completed.
Staff

Jeff Hammer

Senior Vice President, Senior Loan Officer (NMLS#474128)
Bruning

Lori Utemark

Vice President, Mortgage Loan Officer (NMLS#474129)
Bruning

Joe Streufert

Mortgage Loan Officer (NMLS #894657)
Bruning

Shari Fischer

Assistant Branch Manager, Mortgage Loan Officer (NMLS#474130)
Hebron

Janice Nozicka

Director of Mortgage Lending, Mortgage Loan Officer (NMLS#474132)
Broken Bow

Michaela Nielsen

Mortgage Loan Officer (NMLS#894658)
Holdrege