The Best Mortgage Lenders in Gretna, NE
Compare verified mortgage lenders serving Gretna, Nebraska. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Gretna
Featured Mortgage Lenders
First National Bank of Omaha Mortgage Team
First National Bank of Omaha
First National Bank of Omaha is one of Nebraska's most established and trusted financial institutions with a strong presence throughout the Omaha metropolitan area, including Gretna. With over 160 years of service, they offer comprehensive mortgage solutions with personalized local service. Their mortgage team receives exceptional ratings for competitive rates, smooth closing processes, and extensive expertise with all loan types. As a community-focused bank with deep Nebraska roots, they provide the advantage of local decision-making combined with the resources of a major regional financial institution.
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Kris Gaughan
Union Bank & Trust Mortgage
Union Bank & Trust has been serving Nebraska communities for over a century and maintains a strong presence in the Gretna area through their Omaha branches. They consistently receive outstanding customer reviews for their mortgage services, particularly praising their responsive communication, competitive rates, and efficient closing processes. Their mortgage specialists are known for providing personalized guidance through every step of the home loan process. As a Nebraska-based institution, they understand local market conditions and offer specialized construction and lot loans that are particularly valuable in growing communities like Gretna.
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Scott Zohner
Cobalt Credit Union Mortgage Services
Cobalt Credit Union has been serving the greater Omaha area including Gretna for over 70 years and receives excellent ratings for their mortgage services. They are particularly noted for offering highly competitive rates and low closing costs to their members. Their mortgage team provides personalized service with local underwriting and decision-making, ensuring a smooth and efficient home buying experience. Members consistently praise their transparent communication, educational approach for first-time homebuyers, and flexibility in finding the right mortgage solution. Their strong community presence and member-focused approach make them a top choice for Gretna area homebuyers.
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Frequently Asked Questions
Common questions about mortgage lending in Gretna, NE
What are the current mortgage rates like in Gretna, NE, and how do they compare to the national average?
Mortgage rates in Gretna typically align closely with national averages, but local lenders may offer competitive rates due to the strong, stable housing market in the Sarpy County area. As of recent trends, rates in Gretna are often slightly favorable compared to larger metropolitan areas, but it's crucial to get quotes from multiple local credit unions and community banks, as they are very active in the Gretna market and may have special promotions.
Are there any down payment assistance or first-time homebuyer programs specifically for Gretna residents?
Yes, Gretna homebuyers can access the **NIFA Homeownership Loan Program**, a statewide initiative that offers competitive interest rates and down payment assistance to eligible first-time buyers. Additionally, the City of Gretna itself does not currently run a separate program, but working with a local lender familiar with NIFA is key, as they can also guide you toward any Sarpy County-specific grants or assistance that may periodically become available.
How does Gretna's rapid growth and new construction affect my mortgage options?
Gretna's significant new construction, particularly in developments like The Highlands and Fall Creek, means many buyers are utilizing construction-to-permanent loans. Local lenders are very experienced with these. Furthermore, appraisals in new subdivisions can be straightforward due to many comparable sales, but it's important to ensure your loan product accounts for potential lot premiums and builder upgrades that are common in this market.
What property taxes should I expect in Gretna, and how do they impact my mortgage payment?
Property taxes in Gretna (Sarpy County) are a significant component of your monthly mortgage escrow payment, as Nebraska has some of the highest effective property tax rates in the nation. Currently, rates in Sarpy County are approximately 2.0-2.3% of assessed value. Your lender will calculate this into your debt-to-income ratio, so factoring in an annual tax bill of several thousand dollars is essential for budgeting in Gretna.
Are there specific lenders or credit unions in Gretna known for offering the best mortgage terms for local buyers?
Many Gretna residents have success with community-focused institutions like **Gretna Community Bank** and **Liberty First Credit Union**, which have deep roots in the area and often provide personalized service and knowledge of local property values. Regional banks with a strong Nebraska presence, such as First National Bank of Omaha, are also excellent choices, as they understand the nuances of the Gretna and Sarpy County real estate market.
Why Choose a Mortgage Lender in Gretna?
Local Market Knowledge
Lenders who understand Gretna'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 Gretna and get competitive rates on your home loan.