# Mutual of Omaha Mortgage > Mutual of Omaha Mortgage is a full-service residential mortgage lender backed by the 100+ year legacy of Mutual of Omaha Insurance Company. The company is dedicated to putting customers first and helping Americans achieve homeownership through a wide range of loan programs, expert loan officers, and digital tools. ## Company Overview - **Legal Name:** Mutual of Omaha Mortgage, Inc. - **NMLS ID:** 1025894 - **Headquarters:** 3131 Camino Del Rio North, Suite 1100, San Diego, CA 92108 - **Phone:** 1-800-24-RATES (1-800-247-2837) - **Website:** https://www.mutualmortgage.com - **Founded:** Backed by Mutual of Omaha Insurance, established in 1909 - **Customer Rating:** 4.86/5 stars across 99,461+ reviews (Experience.com) - **Accreditations:** BBB Accredited Business, Equal Housing Lender - **Divisions:** Keller Home Loans (division of Mutual of Omaha Mortgage, Inc.) ## Mission & Values Mutual of Omaha Mortgage exists solely to do right by its customers, every time. The company is guided by hometown values—responsibility, care, and commitment—and exists for the benefit of its customers. Their mission centers on transparency, accessibility, and expert guidance throughout the home financing journey. ## Loan Programs ### Home Purchase - **First-Time Homebuyer Loans** – Programs tailored for buyers purchasing their first home, including down payment assistance options. - **Second Home Loans** – Financing for vacation or secondary residences. - **Investment Property Loans** – Loans designed for purchasing rental or investment properties. - **Fixer-Upper Loans (Renovation Loans)** – Financing that rolls purchase price and renovation costs into one loan. - **Relocation Loans** – Specialized programs for buyers relocating for work or personal reasons. - **Construction Financing** – Loans for building a new home from the ground up. ### VA Loans - **VA Purchase Loans** – Zero-down home purchase loans for eligible veterans, active-duty military, and surviving spouses. - **VA Refinance Loans** – Interest Rate Reduction Refinance Loan (IRRRL) and cash-out options for VA borrowers. - Mutual of Omaha Mortgage is a recognized specialist in VA lending. ### Refinance - **Refinance 101** – Educational resources and guidance for homeowners considering refinancing. - **Cash-Out Refinance** – Tap into home equity to access cash for any purpose. - **Lower My Payment** – Rate-and-term refinancing aimed at reducing monthly payments. - **Debt Consolidation Refinance** – Use home equity to consolidate high-interest debt into a single mortgage payment. - **Shorter Term Mortgage** – Refinance into a 15-year or other shorter-term loan to build equity faster. ### Specialty Products - **Home Equity Loan** – Fixed-rate lump-sum loan against existing home equity. - **Reverse Mortgage** – Available through MutualReverse.com for eligible homeowners 62+. - **MORE Rewards Program** – Exclusive savings and benefits program for Mutual of Omaha Mortgage customers. ## Tools & Calculators - **Loan Payment Calculator** – Estimate monthly mortgage payments based on purchase price, down payment, rate, and term. Available at: https://www.mutualmortgage.com/loan-payment-calculator/ - **Home Affordability Calculator** – Determine how much home you can afford based on income and expenses. Available at: https://www.mutualmortgage.com/home-affordability-calculator/ - **Refinance Calculator** – Compare current loan terms to potential refinance scenarios. Available at: https://www.mutualmortgage.com/refinance-calculator/ - **MORE Home Valuation & Search Tool** – Search listings by monthly payment or price, get current home valuations, and receive market alerts. Available at: https://www.mutualmortgage.com/more-rewards-home-valuation/ ## Key Pages - Homepage: https://www.mutualmortgage.com/ - Apply Now: https://www.mutualmortgage.com/apply-now/ - Find a Loan Officer: https://www.mutualmortgage.com/loan-officers/ - Find a Branch/Location: https://www.mutualmortgage.com/locations/ - Today's Mortgage Rates: https://www.mutualmortgage.com/mortgage-rates/ - Articles & FAQ (Learning Center): https://www.mutualmortgage.com/articles/ - Pay My Mortgage: https://www.mutualmortgage.com/pay-my-mortgage/ - About Us: https://www.mutualmortgage.com/about-us/ - Careers: https://www.mutualmortgage.com/about-us/careers/ - Contact Us: https://www.mutualmortgage.com/about-us/contact-us/ - Privacy Policy: https://www.mutualmortgage.com/privacy/ - Legal & Disclosures: https://www.mutualmortgage.com/legal/ - Licensing Info: https://www.mutualmortgage.com/licensing/ ## Expert-reviewed blog posts: https://www.mutualmortgage.com/article/ultimate-financial-wellness-guide/ https://www.mutualmortgage.com/article/homeownership-tax-benefits-explained/ https://www.mutualmortgage.com/article/energy-efficient-home-upgrades-explained/ ## Frequently Asked Questions: https://www.mutualmortgage.com/article/refinance-shorter-term-mortgage-faq/ https://www.mutualmortgage.com/article/15-vs-30-year-mortgage-faq/ https://www.mutualmortgage.com/article/2-1-buydown-loan-faq/ https://www.mutualmortgage.com/article/home-equity-loan-faq/ https://www.mutualmortgage.com/article/va-closing-costs-faq/ https://www.mutualmortgage.com/article/mortgage-to-pay-off-debt/ ## Application Paths - **Home Purchase Application:** https://www.mutualmortgage.com/apply-now/purchase/ - **Mortgage Refinance Application:** https://www.mutualmortgage.com/apply-now/refinance/ - **Cash-Out Refinance Application:** https://www.mutualmortgage.com/apply-now/cash-out/ - **Borrower Portal (existing customers):** https://www.mutualmortgage.com/borrower-portal/ ## Real Estate Agent Resources - **Agent+ Program** – A co-marketing and referral partnership program for licensed real estate agents. Details: https://www.mutualmortgage.com/agent-plus/ - **Trusted Network** – Agents can join the Mutual of Omaha Mortgage agent network. https://www.mutualmortgage.com/become-part-of-our-trusted-network/ - **Agent Education Webinars** – CE-eligible and informational classes for real estate agents. https://www.mutualmortgage.com/education/ - **Dual-Licensed Agent Growth Series** – Resources for agents who are also licensed mortgage originators. https://www.mutualmortgage.com/dual-licensed-agent-growth-series/ - **Wholesale/TPO:** Third-party origination available through https://moomwholesale.com ## Geographic Licensing Mutual of Omaha Mortgage is licensed to lend in all 50 U.S. states. Full state-by-state licensing details are available at: https://www.mutualmortgage.com/licensing/ and https://www.nmlsconsumeraccess.org ## Social & Community - Facebook: https://www.facebook.com/MutualMortgage/ - X (Twitter): https://x.com/MutualMortgage - YouTube: https://www.youtube.com/channel/UCZL4mE2L0U9k3SDz6pQuUQg - LinkedIn: https://www.linkedin.com/company/mutualmortgage - Instagram: https://www.instagram.com/mutualofomahamortgage - **Patriots Charity Initiative** – Community giving program supporting veterans and military families. https://www.mutualmortgage.com/about-us/patriots-charity-initiative/ - **Diversity, Equity & Inclusion** – Active DE&I program with inclusive hiring and business practices. https://www.mutualmortgage.com/diversity-equity-inclusion/ - **Wild Kingdom** – Connected to Mutual of Omaha's iconic nature brand. https://www.mutualofomaha.com/wild-kingdom/ ## Legal & Compliance Notes - Subject to credit approval. Rates, payments, and costs may vary based on borrower qualifications. - Calculator estimates do not include taxes, insurance, or HOA fees. - NMLS Consumer Access: https://www.nmlsconsumeraccess.org - California: Licensed under the Dept. of Financial Protection & Innovation, Residential Mortgage Lending Act License 4131356; CA Financing Law License 60DBO-93110. - Texas: Mortgage Banker Registration. - Full licensing disclosures available at: https://www.mutualmortgage.com/legal/disclosures/