$1,000 off closing costs for any
Chowder Financial Customer

Mutual of Omaha Mortgage is proud to offer all Chowder Financial Customers reduced closing costs, access to discounted mortgage rates and more! Get started with your new home purchase or refinance today.

Get Started

How It Works

For being part of the Mutual of Omaha family, Mutual of Omaha Mortgage can offer you a discount on your mortgage. What does this mean to you? You can take advantage of $1,000 off closing costs and special discounted rates*. This applies if you’re purchasing a new home or refinancing your existing home loan. Our team of dedicated loan officers are ready to answer any questions about our employee mortgage benefit program and help you explore the right mortgage solution for you!

  • Discount off lender fees
  • Exclusive rate access - Rates are traditionally .25 basis points below market
  • Purchase, Refinance and Cash Out loans
  • Loan options to pick from include: VA, FHA, Non-Conforming, Conventional, Jumbo, HARP and USDA loans
  • Dedicated, experienced loan officers to guide you
  • 97% Client Satisfaction Rating
  • A+ rating with Better Business Bureau

*Offer applies to loans that close with Mutual of Omaha Mortgage. Only one offer per loan transaction is available, and savings cannot be combined with any other offer. Savings will reflect on Closing Disclosure at closing.

Introducing MORE Rewards

Mutual of Omaha Mortgage has partnered with top real estate companies that match consumers with local agents. We work with the top agents in the country to provide the highest quality service and a streamlined process for clients looking to buy or sell homes. Our cash back commission rebate program allows client to receive 19% of the realtors commission when they buy or sell with one of our MORE Rewards network agents.

With MORE Rewards Realtor Cashback we can help you:

  • Partner up with a qualified local real estate agent at no cost
  • Streamline your homebuying journey
  • And SAVE big - receive 19% of the realtors commission when you buy or sell with one of our MORE Rewards network agents. That savings be anywhere between $350 to $10,500 when you work with a MORE Rewards agent*

Exclusive Rates

Conforming Fixed 30 Year Conforming Fixed 15 Year FHA 30 Yr Fixed VA 30 Yr Fixed
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.490% 0.494 6.629% $0 $2,141 $947
6.500% 0.275 6.617% $0 $1,812 $948
6.625% 0.000 6.716% $48 $1,352 $960
6.750% 0.000 6.842% $145 $1,255 $973
6.875% 0.000 6.967% $779 $621 $985
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.490% 0.248 6.679% $0 $1,772 $1,306
6.500% 0.228 6.686% $0 $1,742 $1,307
6.625% 0.000 6.774% $21 $1,379 $1,317
6.875% 0.000 7.026% $203 $1,197 $1,338
6.990% 0.000 7.141% $525 $875 $1,347
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.000% 0.901 6.700% $0 $2,775 $915
6.125% 0.432 6.780% $0 $2,059 $927
6.250% 0.000 6.864% $34 $1,366 $940
6.625% 0.000 7.248% $639 $761 $977
6.750% 0.000 7.376% $1,271 $129 $990
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
7.000% 0.407 7.254% $0 $624 $1,019
7.125% 0.039 7.343% $0 $60 $1,032
7.250% 0.000 7.465% $475 $0 $1,045
7.625% 0.000 7.845% $296 $0 $1,085
7.750% 0.000 7.972% $617 $0 $1,098


* Payment amounts shown do not include amounts for taxes and insurance premiums, if applicable. Actual payment obligation will be higher.


Loan Amount $150,000
Loan Purpose Rate/Term or Purchase
Down Payment 25%
Property Type SFR
FICO 780+
Escrow Account Required Yes, taxes & Insurance
State IL Count COOK

Purchase a Home

Your employee benefit discount can be applied to any purchase product from Mutual of Omaha Mortgage. Whether you're in the market for a conventional fixed-rate, VA, FHA or other specialized loan program, we're here to make your mortgage process fast and easy - and help you save money at closing and over the life of your loan! Contact a Mutual of Omaha Mortgage loan officer to learn more or start your application with us today.

Refinance Your Home

When you apply for a refinance loan with Mutual of Omaha Mortgage, you can rest assured knowing we'll provide the best refinance experience available. We work to find you the best refinance option for your home loan needs - and you get big savings with your employee benefit discount. That's less money out of your pocket, and more savings over the life of your loan with Mutual of Omaha Mortgage. Get your refinance started today!

Ready to talk with a mortgage expert?

Our friendly, knowledgeable mortgage loan originators are happy to help you navigate the world of mortgage so you can find the right solution tailored to your needs. Request a no-obligation call. Just fill out the convenient form below.

By submitting your contact information, you are providing your signature and agreeing to our Terms of Use and our Privacy Policy. You are also signing express consent to having Mutual of Omaha Mortgage, Inc., or representatives from our family of companies, contact you about your inquiry via text message, email address, or phone (even if it is a cellular phone number or other paid service for which the called or messages person(s) could be charged for such call or text) to the residential or cellular telephone number or email you have provided. This contact may include automatic telephone dialing system or an artificial or prerecorded voice or message. Message frequency varies and data rates may apply. You expressly consent to Mutual of Omaha Mortgage to contact you via any means made to any telephone number you provide, even if your telephone number is currently listed on any do not contact email list, internal, corporate, state or national Do Not Call Registry list. Consent is not required as a condition of utilizing Mutual of Omaha Mortgage’s services. You may opt out of receiving calls or other electronic communications at any time by making a Do Not Call Request.