The Best Mortgage Lenders in Hickman, NE
Compare verified mortgage lenders serving Hickman, Nebraska. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hickman
Featured Mortgage Lenders
Union Bank & Trust Mortgage Team
Union Bank & Trust
Union Bank & Trust is one of Nebraska's most trusted financial institutions with over a century of service. They maintain an exceptional 4.8-star rating across multiple review platforms with particular praise for their local decision-making and personalized service. As a community-focused bank headquartered in Lincoln, they have deep roots in Lancaster County and extensive experience serving rural communities like Hickman. Their mortgage team offers competitive rates and a wide variety of loan programs, with many customers noting their smooth application process and responsive communication.
Loan Types:
Allied First Bank Mortgage Division
Allied First Bank
Allied First Bank has built an outstanding reputation in southeast Nebraska for mortgage lending, earning consistent 4.7-star ratings for their expertise and customer service. They specialize in both urban and rural property financing, making them an excellent choice for Hickman residents. Reviewers frequently highlight their competitive rates, local underwriting, and the ability to close loans quickly. The bank's mortgage officers have extensive experience with agricultural-area properties and understand the unique needs of smaller community residents.
Loan Types:
Wells Fargo Home Mortgage
Wells Fargo Bank
Wells Fargo maintains a strong physical presence in Lincoln with multiple branches serving the Hickman area, combined with their national mortgage capabilities. While their overall corporate rating is lower, their local mortgage team receives consistently high marks for professionalism and local market knowledge. They offer some of the most competitive rates in the region and have extensive experience with all loan types, including specialized programs for rural properties. Many customers appreciate the combination of local personal service with the resources of a national lender.
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Frequently Asked Questions
Common questions about mortgage lending in Hickman, NE
Are there any special mortgage or down payment assistance programs for first-time homebuyers in Hickman, NE?
Yes, Hickman homebuyers can access statewide Nebraska programs like the Homeownership Set-Aside Program, which offers down payment and closing cost assistance. Additionally, the Nebraska Investment Finance Authority (NIFA) offers first-time homebuyer loans with competitive rates and down payment assistance, which are widely used in Lancaster County communities like Hickman.
How do property taxes in Hickman and Lancaster County impact my mortgage affordability?
Lancaster County has relatively high property tax rates compared to the national average, which significantly affects your total monthly payment. When calculating your debt-to-income ratio for mortgage approval, lenders will include the estimated monthly escrow for Hickman property taxes, so it's crucial to budget for this local expense upfront.
What is the typical down payment required for a mortgage on a home in Hickman's market?
While 20% down is ideal to avoid private mortgage insurance (PMI), many local lenders in the Hickman area work with buyers using conventional loans with 3-5% down or FHA loans with 3.5% down. Given Hickman's mix of newer subdivisions and established homes, loan programs can be tailored to different property types and price points.
Does Hickman's location near Lincoln affect mortgage rates or lender options?
Absolutely. Hickman's proximity to Lincoln means you have access to a wide network of regional and local banks, credit unions, and mortgage brokers based in the capital city. This competition can lead to favorable rate options, and many lenders are very familiar with the specific appraisal and insurance considerations for Hickman's semi-rural yet growing market.
Are there specific considerations for getting a mortgage on acreage or a property with land in Hickman?
Yes, if you're looking at properties with more than a few acres, lenders may have stricter requirements. They might require a larger down payment, a specialized appraisal to assess the land value separately, and may even classify it as a "non-conforming" or rural property loan. It's essential to work with a lender experienced in Lancaster County's outlying areas.
Why Choose a Mortgage Lender in Hickman?
Local Market Knowledge
Lenders who understand Hickman'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 Hickman and get competitive rates on your home loan.