With Us Buying a Home Never Felt So Easy

Purchase

Home purchasing made painless

Buying a home can feel overwhelming. Mutual of Omaha Mortgage can help you make an informed and smart decision on your home.

How much can I borrow? There are a number of factors that impact how much house you can afford Popular uses:

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Make Homeownership a reality

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Rent vs. Own Homeowners’ net worth is 40x greater than that of a non-homeowner Popular uses:

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Understand the process
Check out best practices and tips

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Ready to Buy? It’s never been a better time to explore your buying options Popular uses:

Historically low interest rates
Streamlined process
Easy to use digital mortgage app

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Mortgage Tools at Your Fingertips

With the Mutual of Omaha Mortgage App, you’ll have all your mortgage tools in one place and move the process forward with a tap.

Apply at anytime, from anywhere
Quickly access calculator tools to estimate your mortgage payments
Securely scan and send loan documents with ease
Check your loan status 24/7
Direct access to your loan officer

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Mutual of Omaha Mortgage is proud to be part of a company with a rich history.

Founded in 1909, Mutual of Omaha serves over 4.6 million individual product customers and 36,000 employer groups.

For a century – through countless historical events – Mutual of Omaha has been there to keep promises to its customers. Inspired by hometown values and a commitment to being responsible and caring for each other, Mutual of Omaha Mortgage continues that legacy. Our mission is to provide home financing solutions that help our customers, and back our services with operational excellence at every level. Today, as the nation grapples with new financial realities, Mutual of Omaha Mortgage is strong, stable, secure, and ready to meet your mortgage and financial needs.

Learn more about our legacy

Home purchase tips from the experts.

Different Types of Mortgage Loans - A Comparative Guide When it comes to finding the right mortgage loan type and term for your new home purchase or refinance, the number of options available can be overwhelming. In this article, we’ll compare the different mortgage types and mortgage terms that you might come across as you look for a new home loan. Read More

Steps to Getting a Mortgage - Application, Processing, Closing, and More We know that for many, the mortgage loan process can be overwhelming and confusing. Don’t worry! With the right information, preparation and an expert loan officer, the loan process can be quite easy and straightforward. Read More

Renting vs Buying a House - What Are the Differences If you’ve found yourself dreaming about owning your own place, it may be time to take a deeper look at the pros and cons of buying vs. renting as part of your evaluation process. To help your decision-making process, let’s review the different pros and cons of both renting and buying a home. Renting or Buying

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Mortgage questions. Simple answers.

How do I get approved for a loan?

Mutual of Omaha Mortgage can prequalify you based on your answers to questions about your credit, income and employment. We will suggest a prequalification for the lending product based on our discussion: a suggested loan product, interest rate estimate and down payment requirement before submitting a formal application. Get Started!

Which Mortgage Is Best for You: A 15-year Mortgage Or A 30-year Mortgage?

Although the 30-year fixed-rate mortgage is most often recognized by prospective buyers, it's not the only option available. The 15-year mortgage product can offer unique benefits and advantages that may help a prospective homebuyer achieve their goals by best matching their financial needs.
The 15-year fixed-rate mortgage is a great option for homebuyers with the right financial profile, who have the ability to make higher payments each month. A 15-year fixed-rate mortgage may allow these homebuyers to pay off their mortgage sooner than a 30-year mortgage and enjoy lower interest rates. Read More

What Percentage of Your Income Should be Your Mortgage?

Buying a home is typically the largest purchase a consumer will make in their lifetime. Committing to a mortgage is often a long term agreement. It's important that prospective homebuyers take time to carefully establish how much house they can afford and what percentage of income should go towards their monthly mortgage payment. To determine how much money should be allocated to a monthly mortgage payment, it's imperative for potential homebuyers to have a full understanding of the process, and identify what percentage of income a mortgage payment should be in order to comfortably and confidently afford monthly payments. Read More

How much should I save for a down payment?

The more you can pay up front, the less you'll pay in interest over time. If you are purchasing a home, aim for at least a 20% down payment. Anything less than that will require Private Mortgage Insurance (PMI). If 20% is not possible, put down at least 10%, otherwise you'll get hit with an even higher interest rates and fees. So if you're buying a $300,000 house, you should save up at least $30,000-$60,000 as a down payment. Get Started Today!

What is the best advice for first-time homebuyers?

The time has come. You’re ready to make the transition from renter to homeowner, but aren’t sure where to start.

With so many types of homes and loan options, crossing the finishing line and closing on your dream home can seem like a daunting task. Take a look at our top 10 tips to make your life as easy as possible during the home buying process. Read More

How will my credit score affect my loan?

Good credit is an important factor in the home purchasing process. The higher your score, the more likely you are to be approved for a loan. Great credit will typically get you a lower interest rate and a lower monthly payment.

What is Private Mortgage Insurance?

The more you can pay up front, the less you'll pay in interest over time. If you're purchasing a home, aim for at least a 20% down payment. Anything less than that will require Private Mortgage Insurance (PMI). If 20% is not possible, put down at least 10%, otherwise you'll get hit with an even higher interest rates and fees. So if you're buying a $300,000 house, you should save up at least $30,000-$60,000 as a down payment.