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Mutual of Omaha Mortgage is proud to offer all customers reduced closing costs, access to discounted mortgage rates and more! Get started with your new home purchase or refinance today.
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Home refinancing with Mutual of Omaha Mortgage
Whether you’re looking for a cash-out refinance, adjusting your home loan rate or term, or are in the market for a reverse mortgage, Mutual of Omaha Mortgage offers the best solution for your mortgage refinance needs. Popular reasons to refinance include:
- Refinance Mortgage Rate and/or Term: This is one of the most popular reasons for home refinance. Mortgage rates change over time, and when rates drop, that can be a great time to refinance for a lower monthly payment or for a shorter term (for example changing from 30-year to 15-year mortgage).
- Change Your Loan Structure: As your financial circumstances change, you can refinance to change your loan structure. You might choose to change from an adjustable-rate to a fixed-rate mortgage, or you may be able to eliminate Private Mortgage Insurance.
- Get Cash Out From Your Home Equity: This is a popular option for homeowners looking to consolidate debt or consolidate credit, make home improvements, or cover high-cost expenses. In a cash-out refinance you can borrow money against the value of your home for a low-interest rate that you can pay off over time.
Today’s Mortgage Rates
These are our current mortgage rates for some of our most popular loan programs.
Rates are updated daily. Please keep in mind that the interest rate you will qualify for depends on many factors, including your credit, your loan amount and your down payment. For a personalized mortgage quote, please get started online.
Legal Disclosures
Conventional 30-year Fixed-Rate Loan:
The estimated payment on a $325,000, 30-year Fixed-Rate Conventional Loan with a 15 Day Lock, FICO score 760, and loan-to-value (LTV) 95%. The quote above includes two points. One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
Conventional 15-year Fixed-Rate Loan:
The estimated payment on a $325,000, 15-year Fixed-Rate Loan with a 15 Day Lock, FICO score 760, and loan-to-value (LTV) 95%. The quote above includes two points. One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
VA 30-year Fixed-Rate Loan:
The estimated payment on a $325,000, 30-year Fixed-Rate VA Loan with a 15-day lock, FICO score 760, and loan-to-value (LTV) 95%. The quote above includes two points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active-duty military.
FHA 30-year Fixed-Rate Loan:
The estimated payment on a $325,000, FHA 30-year Fixed-Rate Loan with a 15 day lock, FICO score 760, and loan-to-value (LTV) 95% Payment includes a one-time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.8% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of 95%, the 0.8% monthly MIP will be paid for the first 30 years of the mortgage term, or the end of the mortgage term, whichever comes first. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
Assumptions
Lenders calculate rates using assumptions: basic loan details. For all rates shown, unless otherwise noted, we assumed:
- You’re buying or refinancing a single-family home that’s your primary residence.
- If refinancing, you’re not taking cash out.
- Closing costs will be paid up front, not rolled into the loan.
- Your debt-to-income ratio is less than 30%.
- Your credit score is over 760.
- You’ll have an escrow account for payment of taxes and insurance.
Disclosures
- Mortgage rates can change daily.
- Some loan options may not be available in all states.
- Some jumbo loan options may not be available to first-time home buyers.
- Lending services may not be available in all areas.
- Some restrictions may apply.
- The rate lock period is 15 days.
Home loans with Mutual of Omaha Mortgage
Mutual of Omaha Mortgage offers several lending products to cover your unique home loan needs. We take great pride in serving veteran customers with our VA loan program and offer exceptional service with our USDA, Conventional, FHA, and Jumbo loan options.
