The Best Mortgage Lenders in Bellevue, NE
Compare verified mortgage lenders serving Bellevue, Nebraska. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Bellevue
Featured Mortgage Lenders
Liberty First Credit Union
Liberty First Credit Union
Liberty First Credit Union stands out as Bellevue's premier local mortgage lender with deep community roots spanning over eight decades. As a member-owned financial institution, they consistently receive exceptional ratings for personalized service, competitive rates, and their commitment to the local community. Their mortgage team specializes in guiding first-time homebuyers through the process while offering a comprehensive range of loan products. With physical branches throughout the Omaha metro area including their Bellevue location, they provide convenient in-person service combined with digital convenience, making them a top choice for Bellevue residents seeking a trusted local mortgage partner.
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Mutual of Omaha Mortgage
Mutual of Omaha Mortgage
Mutual of Omaha Mortgage brings over a century of financial expertise and stability to Bellevue homebuyers. As part of the nationally recognized Mutual of Omaha brand, they combine the trust of a established financial institution with competitive mortgage products and exceptional customer service. Their local Omaha team has extensive knowledge of the Bellevue and greater Omaha housing markets, providing tailored solutions for military families near Offutt Air Force Base and conventional homebuyers alike. They consistently earn high marks for their responsive loan officers, streamlined digital application process, and competitive rate offerings across all loan types.
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US Bank
US Bank National Association
US Bank provides Bellevue residents with the reliability of a major national bank combined with strong local presence through their Bellevue branch location. With over 160 years of banking experience, they offer competitive mortgage rates and a wide array of loan products suitable for the diverse Bellevue community, including specialized programs for military personnel and first-time homebuyers. Their local mortgage specialists have deep knowledge of the Bellevue real estate market and maintain high customer satisfaction ratings for their attentive service, efficient processing, and comprehensive digital mortgage tools that simplify the homebuying experience.
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Frequently Asked Questions
Common questions about mortgage lending in Bellevue, NE
Are there any first-time homebuyer programs specific to Bellevue, NE that can help with down payment or closing costs?
Yes, the Nebraska Investment Finance Authority (NIFA) offers several statewide programs, like the Homeownership Loan Program, which are widely used by Bellevue buyers. These provide competitive interest rates and down payment assistance. Additionally, some local lenders in the Sarpy County area may offer special grants or credits for buyers in Bellevue, especially for those with military ties due to the proximity to Offutt Air Force Base.
How does being near Offutt Air Force Base impact mortgage lending options in Bellevue?
Bellevue's status as a military community means VA loans are exceptionally common and well-understood by local lenders. Many banks and credit unions in the area have dedicated loan officers who specialize in VA lending, ensuring a smooth process for service members, veterans, and their families. This expertise can also extend to more flexible underwriting for PCS orders or unique income situations common to military personnel.
What are typical property tax rates in Bellevue, and how do they affect my mortgage payment?
Property taxes in Sarpy County, which includes Bellevue, are relatively high compared to the national average, often ranging between 1.9% and 2.2% of assessed value. This significantly impacts your total monthly mortgage payment (PITI). When getting pre-approved, it's crucial to factor in these taxes, as a home with a similar sale price in a different county could have a noticeably lower monthly payment.
With Bellevue's competitive housing market, how can I make my offer stronger from a mortgage perspective?
To compete effectively, obtain a solid pre-approval from a reputable local lender—not just a pre-qualification. Sellers favor buyers who use established local banks or credit unions as they are known for reliable closing timelines. Furthermore, consider waiving certain financing contingencies only if you are extremely confident in your approval, and be prepared for potential appraisals coming in at the competitive offer price.
Are there specific loan programs in Bellevue that are beneficial for buying older homes in established neighborhoods like Olde Towne?
When purchasing an older home in Bellevue's historic areas, an FHA 203(k) Rehabilitation Loan or a conventional HomeStyle Renovation loan can be excellent tools. These programs allow you to finance both the purchase price and the cost of renovations into one mortgage. This is particularly useful in neighborhoods with charming but dated homes that may need updates to electrical, plumbing, or roofing systems to meet modern lending standards.
Why Choose a Mortgage Lender in Bellevue?
Local Market Knowledge
Lenders who understand Bellevue's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Nebraska.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Bellevue and get competitive rates on your home loan.