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Mullen, NE

The Best Mortgage Lenders in Mullen, NE

Compare verified mortgage lenders serving Mullen, Nebraska. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
304+
Reviews
11
Loan Types

Available Loan Programs in Mullen

Conventional
FHA
VA
USDA
Construction
Refinance
First-time Homebuyer
Jumbo
Construction-to-Permanent
Lot Loans
Investment Property

Featured Mortgage Lenders

1

Two Rivers Credit Union

Two Rivers Credit Union

★★★★☆
4.8/5

Two Rivers Credit Union stands out as a top-rated mortgage lender serving the Mullen area with exceptional customer satisfaction ratings. As a community-focused credit union with deep roots in western Nebraska, they offer personalized mortgage services with competitive rates and flexible terms. Their experienced loan officers specialize in rural and agricultural property financing, making them particularly well-suited for the Mullen community. With over two decades of service, they've built a strong reputation for guiding borrowers through the entire mortgage process with transparency and local expertise.

Experience:25 years
Reviews:85 customer reviews
1205 East 4th Street, North Platte, NE 69101

Loan Types:

ConventionalFHAVAUSDAConstructionRefinanceFirst-time Homebuyer
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2

First National Bank of North Platte

First National Bank of North Platte

★★★★☆
4.7/5

First National Bank of North Platte has been serving central and western Nebraska communities including Mullen for three decades. This established regional bank offers comprehensive mortgage solutions with a strong focus on rural property financing and agricultural lending. Their experienced mortgage team provides personalized service with local decision-making authority, ensuring timely closings and competitive rates. The bank's long-standing commitment to the region and understanding of rural property values makes them an excellent choice for Mullen area homebuyers seeking reliable mortgage services.

Experience:30 years
Reviews:92 customer reviews
120 South Dewey Street, North Platte, NE 69101

Loan Types:

ConventionalJumboFHAVAUSDAConstruction-to-PermanentLot Loans
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3

Union Bank & Trust

Union Bank & Trust Company

★★★★☆
4.6/5

Union Bank & Trust is a highly-rated Nebraska-based financial institution that serves communities throughout the state, including Mullen. With nearly three decades of mortgage lending experience, they offer a wide range of loan products and competitive rates. Their mortgage specialists are known for providing exceptional customer service and guiding borrowers through every step of the home financing process. As one of Nebraska's largest locally-owned banks, they combine the resources of a major financial institution with the personalized service of a community bank, making them a trusted choice for Mullen residents.

Experience:28 years
Reviews:127 customer reviews
5001 South 58th Street, Lincoln, NE 68516

Loan Types:

ConventionalFHAVAUSDAConstructionRefinanceInvestment Property
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Frequently Asked Questions

Common questions about mortgage lending in Mullen, NE

Are there any special mortgage considerations for buying a home on a larger lot or acreage in Mullen, NE?

Yes, properties with significant acreage are common in the Mullen area. Lenders may require a specialized "rural" or "non-conforming" appraisal that properly values the land and any outbuildings. You should work with a lender experienced in rural properties, as standard loan programs may have restrictions on lot size.

What local or state programs can help first-time homebuyers in Mullen with down payment assistance?

Nebraska offers the **NIFA Homeownership Loan Program**, which provides competitive interest rates and down payment assistance to eligible first-time homebuyers statewide, including in Mullen. Given Mullen's lower median home prices, these programs can be particularly impactful, covering a significant percentage of the down payment and closing costs.

How do property taxes in Hooker County affect my mortgage payment and qualification in Mullen?

Hooker County has relatively modest property tax rates compared to urban areas in Nebraska. Your lender will still escrow for taxes, but the lower rate means your total monthly payment (PITI) will be more affordable, which can help you qualify for a slightly higher loan amount. Always verify the exact tax amount for a specific property.

Is it difficult to get a mortgage for a manufactured home in Mullen?

Financing for manufactured homes in Mullen is possible but has specific requirements. The home must be permanently affixed to a foundation and titled as real estate. You'll need to use an FHA, VA, or USDA loan, as conventional loans are often more restrictive. Working with a local lender familiar with these transactions in rural communities is key.

Do lenders in Nebraska offer any special programs for purchasing energy-efficient homes or making green upgrades in Mullen?

While specific "green" mortgage products are less common, the **NIFA Homeownership Program** offers a slightly reduced interest rate for ENERGY STAR® certified new homes, which could be applicable for new construction in Mullen. For upgrades, you might explore an FHA 203(k) renovation loan or a conventional loan with an escrow holdback for planned efficiency improvements.

Nearby Cities

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Why Choose a Mortgage Lender in Mullen?

Local Market Knowledge

Lenders who understand Mullen'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 Mullen and get competitive rates on your home loan.