The Best Mortgage Lenders in Greeley, NE
Compare verified mortgage lenders serving Greeley, Nebraska. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Greeley
Featured Mortgage Lenders
Mr. Cooper
Mr. Cooper Group Inc.
Mr. Cooper is a nationally recognized mortgage lender with three decades of experience, renowned for its user-friendly digital platform and strong customer service. They offer a comprehensive range of loan products and have a solid reputation for serving rural areas like Greeley, Nebraska, through efficient online and phone-based services. Their high ratings reflect reliability, competitive rates, and a commitment to customer satisfaction, making them a top choice for homeowners in the region.
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loanDepot
loanDepot, LLC
loanDepot is a leading national mortgage lender known for its competitive rates and diverse loan options. With over a decade of experience, they have built a strong track record in customer satisfaction and serve Nebraska communities, including Greeley, through both digital tools and personalized support. Their high review counts and ratings highlight their efficiency, transparency, and ability to handle various mortgage needs, from first-time homebuyers to refinancing.
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New American Funding
New American Funding
New American Funding is a highly-rated mortgage lender with over 20 years of experience, emphasizing personalized service and inclusivity for diverse communities. They offer a wide array of loan products and have a strong presence in Nebraska, providing competitive rates and dedicated support for Greeley residents. Their excellent customer feedback, commitment to education, and community involvement make them a trusted option for reliable mortgage solutions.
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Frequently Asked Questions
Common questions about mortgage lending in Greeley, NE
What are the typical down payment requirements for a mortgage in Greeley, NE, given the local market?
In Greeley's more affordable rural market, many conventional loans can be secured with a 5% down payment, and FHA loans with 3.5% down are common. For local agricultural or acreage properties, lenders may require a larger down payment of 10-20% due to their unique appraisal challenges. It's advisable to consult with a lender familiar with Greeley County properties to get precise requirements for your specific purchase.
Are there any first-time homebuyer programs specifically for residents of Greeley, Nebraska?
Yes, the Nebraska Investment Finance Authority (NIFA) offers statewide programs like the Homeownership Loan Program, which provides competitive interest rates and down payment assistance, and is fully accessible to eligible Greeley buyers. Additionally, some local lenders may offer special portfolio loans or grants for professionals like teachers, healthcare workers, or first responders serving the Greeley community, so it's worth asking.
How does buying a home with acreage or agricultural land near Greeley affect the mortgage process?
Purchasing property with significant acreage (typically over 10 acres) in Greeley County often requires a specialized "rural" or "non-conforming" mortgage loan. These loans have stricter appraisal processes to assess the land's value and may come with slightly higher interest rates or larger down payment requirements than a standard residential loan for a home in town.
What should I know about property taxes and insurance when calculating my mortgage payment in Greeley?
Greeley County has relatively modest property tax rates compared to urban Nebraska areas, but taxes can vary between the town of Greeley and the surrounding township. Your lender will use the specific property's tax history for escrow calculations. For insurance, due to the rural setting, you may need a policy that includes coverage for outbuildings, wells, or septic systems, which can influence your total monthly payment.
Is it difficult to get a mortgage for an older or historic home in the town of Greeley?
Financing older homes in Greeley is generally straightforward with FHA 203(k) renovation loans or conventional loans, provided the home meets basic safety and livability standards. A key local consideration is ensuring the property has a modernized septic system and well (if not on city utilities), as lenders will require these to be in good working order for loan approval. A thorough inspection is highly recommended.
Why Choose a Mortgage Lender in Greeley?
Local Market Knowledge
Lenders who understand Greeley'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 Greeley and get competitive rates on your home loan.