$1,000 off closing costs for any
Mutual of Omaha Employee

Mutual of Omaha Mortgage is proud to offer all Mutual of Omaha full and part-time employees reduced closing costs, access to discounted mortgage rates and more! Get started with your new home purchase or refinance today.

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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*
6.125% 0.413 6.164% $0 $620 $911
6.250% 0.042 6.254% $0 $63 $924
6.375% 0.000 6.375% $306 $0 $936
6.499% 0.000 6.499% $646 $0 $948
6.500% 0.000 6.500% $650 $0 $948
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.125% 0.373 6.184% $0 $560 $1,276
6.250% 0.061 6.260% $0 $92 $1,286
6.375% 0.000 6.375% $381 $0 $1,296
6.499% 0.000 6.499% $836 $0 $1,307
6.500% 0.000 6.500% $840 $0 $1,307
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.000% 0.669 6.583% $0 $1,021 $915
6.125% 0.301 6.673% $0 $459 $927
6.250% 0.000 6.770% $70 $0 $940
6.625% 0.000 7.152% $446 $0 $977
6.750% 0.000 7.280% $914 $0 $990
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.990% 1.462 7.354% $0 $2,240 $1,018
7.000% 0.260 7.239% $0 $398 $1,019
7.125% 0.000 7.339% $63 $0 $1,032
7.250% 0.000 7.465% $513 $0 $1,045
7.625% 0.000 7.845% $205 $0 $1,085


* 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.

Call to Learn More

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!

See What Our Customers Have to Say

Jennifer K. P in Evansville, WI

On February 15, 2023

The communication was great, always quick replies and able to answer minor and major questions. Kris was able to take the time to go thru details, and give extra explanation to truly make sure I understood.

Danielle F in Waterbury, CT

On February 24, 2023

Jake was honest with me through out the entire process and was available to answer any questions that I had. Also, the turn around time was very quick.

Deedre M. S in Hamburg, NJ

On February 22, 2023

just your professionalism, and how quickly everything was done and made the process so overwhelmingly awesome! this is the second refi I’ve done with Joe, Bulla and I don’t think I’ll go anywhere else again

Kelly V M in Blue Ridge, TX

On January 31, 2023

Josh is very professional and a pleasure to work with, a pleasant experience!

Douglas C in Marietta, Georgia

On February 13, 2023

Outstanding experience. I could not have imagined a better relationship to have than the one I had/have with Jonathan. He and his entire team at Mutual of Omaha was fabulous. I would admit that they probably had to work a little harder for this one, but the results literally changed our lives. We are grateful to Jonathan for being a tremendous coach and advisor throughout the mortgage loan process. And Mutuals online application process was extremely easy to follow and convenient for uploading the required documents as well. All in all a tremendous experience one that I would recommend to anyone seeking a new home loan or refinancing. Thank you Jonathan!

Dolores K. O in Douglasville, GA

On February 09, 2023

Always available and willing to take the time to explain every aspect of the process. Thank you, Joe.

Kyle K in Deltona, FL

On January 31, 2023

Jeff is the epitome of professional. We have worked with him several times in the last 8+ years and each time, he exceeds our expectations. He was also very quick to ensure his team received the credit for their great work. Everyone on the team with our main point of contact being Jeff Shin, were responsive, helpful and were even able to help us close 11 days earlier than we had originally scheduled. We trust Jeff's knowledge of the market place and his products and above all, to look out for our best interests. We highly recommend Jeff!! We have worked with him across multiple states and for varying amounts. After all these years, we still think he is a rockstar and would use his services again in a heartbeat.

Carl in Prosper, TX

On February 04, 2023

The system seemed simple to use. Everyone on the team communicated very well and everything went very smooth.

Randall H in China Spring, TX

On January 26, 2023

Great experience slight delay from FedEx but I enjoyed working with Josh.

Dramon F in Saint Louis, MO

On January 14, 2023

Constant Communication, that in the midst of my busy schedule I was able to do so much because of the constant communication to keep me on top of things that needed to get done to make this a success. I could not have had this happen without the constant positive encouraging voice of Ovet Reynoso throughout this entire process. I gave up at one point, but Ovet was a constant positive person in my ear who without, this would have never happened and been a success.

51792 Reviews


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.

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