Jessi Lynch

Hello, I'm Jessi Lynch.

Mortgage Loan Originator | NMLS #1158134


Get to know me

Jessi Lynch believes in the value of home ownership and understands the importance of finding the right loan to achieve your goals. With a deep understanding of the many loan programs Mutual of Omaha Mortgage offers, Jessi works closely to understand each client’s needs, and find mortgage solutions to best fit their financial goals.

Throughout the borrowing process you can count on Jessi to be a trusted guide through the loan process and ensure that your loan is completed thoroughly.

Address

1951 North Jefferson Street, NE
Milledgeville, GA 31061

Jessi Lynch

See what my customers have to say

4.99(16 reviews)Experience.com
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"Jessi made the entire refinance process smooth and completely stress-free. She was easy to communicate with, always responded quickly, and took the time to explain everything clearly every step of the way. Jessi’s knowledge and professionalism really stood out she never steered me in the wrong direction and made sure I fully understood all my options. She was even there at closing for support and surprised me with a handwritten thank-you card, which was such a thoughtful touch. Working with Jessi through Mutual of Omaha Mortgage was an outstanding experience from start to finish."
Erin Jo M.
H
"Working with Jessi Lynch on my home loan was one of the most positive and professional experiences I’ve ever had. From the very beginning, Jessi stood out as a true expert in her field—knowledgeable, organized, responsive, and genuinely invested in my success. What could have been a stressful and complicated process turned into a smooth, transparent, and even enjoyable journey thanks to her leadership, communication, and care. Jessi impressed me with her professionalism and her ability to make complex financial details easy to understand. She took the time to learn about my goals, explain every option clearly, and guide me through each step of the process with confidence. She didn’t just tell me what to do—she made sure I fully understood why each decision mattered and how it would affect me in the long run. That level of attention and education is rare, and it gave me complete peace of mind. Jessi is one of those people who naturally leads. She brings calm, clarity, and focus to what can easily become a chaotic process. Every part of my loan—from application to closing—was handled with precision and care. She coordinated seamlessly with all parties involved, including my realtor, the underwriting team, and the title company, ensuring that everyone stayed on the same page. Her ability to manage the details while keeping the big picture in mind is truly impressive. What really sets Jessi apart is her communication. She was proactive, responsive, and incredibly thorough. I never had to wonder about the status of my loan because she was always one step ahead—sending updates, explaining next steps, and making sure I had all the information I needed before I even thought to ask. She’s the kind of professional who makes you feel like you’re her only client, even though it’s clear she manages a busy workload. Every message was answered quickly, every question addressed thoughtfully, and every milestone celebrated along the way. She genuinely cares about the people she helps. It was clear from day one that her motivation wasn’t just to close a deal—it was to make sure I ended up with the best possible outcome for my financial future. That kind of sincerity builds trust fast, and I knew early on that I could rely on her completely. She’s the kind of professional who gives you confidence not just in your loan, but in your entire decision to buy a home. There were moments during the process when challenges popped up—as they always do—but Jessi handled each one with calm, confidence, and efficiency. She never let a single issue turn into a problem. Her knowledge of lending guidelines and her relationships within the industry were clear advantages that made a real difference. Every time an obstacle appeared, she had a solution ready. That kind of poise under pressure is what separates good loan officers from truly exceptional ones. What also stood out to me was how personable Jessi is. She combines deep technical expertise with genuine warmth and empathy. She made the entire experience feel human. She understood the emotions that come with buying a home—the excitement, the stress, the uncertainty—and she met every moment with patience and positivity. She celebrated the wins, reassured me through the tough moments, and treated me with respect and kindness from start to finish. By the time we closed, I felt like I was working with a trusted friend, not just a financial professional. Now that I’m settled in my new home, I can confidently say that Jessi Lynch is among the very best in the business. She’s not just good at what she does—she’s exceptional. Her knowledge, communication, and leadership make her a standout mortgage professional, and her integrity and empathy make her a truly special person to work with. I’ve already recommended her to friends and family, and I’ll continue to do so without hesitation. To her company: you have an extraordinary asset in Jessi. She represents your organization with the highest level of professionalism and care. Her work ethic, leadership, and client-first mindset are exactly what elevate a company’s reputation. If there are opportunities for advancement or leadership roles within your organization, I would strongly encourage you to elevate her. She exemplifies excellence in every sense—she leads with confidence, communicates with precision, and inspires trust with every interaction. In short, Jessi turned one of the biggest financial decisions of my life into a smooth, transparent, and even enjoyable experience. She made me feel supported, informed, and confident from start to finish. I can’t thank her enough for her hard work and dedication. If you’re looking for someone who combines deep mortgage knowledge with genuine care and top-tier professionalism, look no further than Jessi Lynch. She is absolutely top-notch, and I’m grateful to have had the opportunity to work with her. Five stars across the board. Jessi, thank you for making my home loan experience outstanding."
Shawn H.

Mortgage solutions to fit your needs

Conventional Loan

Refinance

Cash Out

ARM Loan

VA Loan

FHA Loan

USDA Loan

Jumbo Loan

Conventional Loan

Conventional loans aren’t backed by a federal agency, such as the Federal Housing Administration, which means conventional loans are more flexible in their terms and have fewer restrictions. However, conventional loans often meet the down payment and income requirements set by Fannie Mae and Freddie Mac, and conform to the loan limits set by the Federal Housing Finance Administration. A few benefits of this type of home loans include, competitive interest rates, fewer fees, an option for second home purchases and Flexible requirements for mortgage insurance. At Mutual of Omaha Mortgage, we offer a variety of loan terms with fixed or adjustable rates.

Refinance

When you refinance your mortgage, you pay off your existing loan with a new loan that usually offers a better rate or a shorter term. Sometimes, refinancing to a different mortgage product can offer benefits as well. Refinancing provides you savings over the life of the loan and can also provide immediate benefits to your current financial or personal situation.

Cash Out

A cash-out refinance replaces your existing mortgage with a new loan for more than you owe on your home. The difference goes to you in cash, so you’re able to spend it on home renovations, improvements, debt consolidation or other financial needs. You must have equity built up in your house to take advantage of a cash-out refinance. Traditional refinancing, in contrast, replaces your existing mortgage with a new one for the same balance.

ARM Loan

The nature of an adjustable-rate mortgage allows buyers and those looking to refinance to, in a sense, ‘play the odds’ on future interest rates. ARM loans come attached with a fixed-rate during a preliminary duration of time. This can range from 5, 7 or 10 years, depending on your unique mortgage needs. After that, your loan interest rate will be dictated by whatever the going rate is for your loan. For example: You lock an ARM at 5 years at a 3.75% interest rate. After that 5-year period, interest rates on your loan product can rise, fall or stay the same. The latter is rarely the case unless a massive shift in the national economic picture rattles the bond market – of which interest rates are closely tied.

VA Loan

The VA home loan program is a mortgage program backed by the U.S. federal government that helps service members, veterans, active military and eligible surviving spouses become homeowners. The VA home loan allows qualified US service members and veterans to purchase or refinance a home at competitive interest rates and with $0 down payment. In addition, VA home loan benefits include reduced closing costs, no private mortgage insurance (PMI) or penalties for prepayment. While the VA loan is a federal program, the government generally does not make direct loans to applicants. Private lenders, including Mutual of Omaha Mortgage, finance the loan while the Veteran's Administration offers an insurance guarantee. This guarantee provides an incentive for private lenders to offer loans with better terms and protects them in the event of a customer default.

FHA Loan

Sponsored by the U.S. Department of Housing and Urban Development (HUD), FHA loans are government-backed home loans distributed by private lenders like Mutual of Omaha Mortgage. FHA Loans are often used to fund homes for first-time home buyers, who come to Mutual of Omaha with short-lived or troubled credit history and smaller down payment goals. FHA loans are federally insured, meaning the buyer does not face steep down payment or PMI requirements relative to conventional loans. Financing a home loan is more attractive for FHA loan-eligible applicants. Conventional loan products typically require 10%-20% down on a loan, depending on the buyer’s preference toward PMI. FHA Loans allow qualified buyers the opportunity to purchase a home with as little as 3.5% down.

USDA Loan

The USDA loan program’s purpose is to provide affordable homeownership opportunities to low-to-moderate income households to stimulate economic growth in rural and suburban communities throughout the United States. A USDA loan is a mortgage that offers considerable benefits for those wishing to purchase a home in an eligible rural area. USDA home loans are issued through private lenders and are guaranteed by the United States Department of Agriculture (USDA).

Jumbo Loan

Jumbo loans are discussed with the buyer when a buyer’s total down payment does not put the total finance value at less than the county loan maximum depending on a home's location. The loan maximums vary by county. An 1,800-square-foot home in one county could be valued at a higher amount than another due to the surrounding real estate market. Part of the standard application process on any loan is to verify credit history, income and employment information. Jumbo loans have stricter requirements simply due to the high-risk nature of the loan.

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Jessi Lynch

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Operating Hours

Monday-Friday: 9am-5pm
Weekends: Closed

Phone

Cell: (478) 251-0752

Address

1951 North Jefferson Street, NE
Milledgeville, GA 31061