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2024

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Best Mortgage Brokers in Lincoln, NE

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lincoln Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

73Reviewed

49Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17310 Wright Street, Omaha, NE 68130
WebsiteLicense: 1974075

Expertise.com Rating

Review Sources

Google
5.0 (112)
Facebook
5.0 (20)

Why choose this provider?

Shotbolt Mortgage Corporation is a full-service mortgage firm that offers comprehensive mortgage solutions to clients in Lincoln and its nearby areas. Its president, Jack Shotbolt, has more than two decades of industry experience. He has access to a wide network of lending partners, thus helping its clients own their first homes and acquire new lower monthly payments. The firm offers a variety of loans including FHA, VA, USDA, jumbo, and conventional loans. It also offers assistance with mortgage refinancing.

  • Refinance

237 S 70th St. Suite 206, Lincoln, NE 68510
WebsiteLicense: 3320

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (3)

Why choose this provider?

Capital City Mortgage is a mortgage brokerage that serves Lincoln and the surrounding locations. It specializes in several loan services such as conventional loans, FHA loans, VA loans, and USDA rural development loans. Clients looking to buy their first home or people looking to refinance can connect with Capital City Mortgage for their services. The company has a secure borrower portal available online that allows clients to apply, sign and upload documents, and communicate with loan officers.

  • New Construction
  • Refinance

8250 Old Cheney Road, Lincoln, NE 68516
WebsiteLicense: 138063

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (34)

Why choose this provider?

Gershman Mortgage - Lincoln is an independently-owned and operated mortgage company that has been serving clients in various areas including Lincoln since 1955. The company specializes in financing multifamily apartments, healthcare facilities, and residential properties. It will provide assistance to clients who are looking for the right mortgage that caters to their personal needs. It also offers various loan products including conventional, VA, rural housing (USDA), and FHA. Additionally, it assists clients in the step-by-step process of buying a home.

  • New Construction
  • Refinance

5901 South 58th Street, Lincoln, NE 68516
WebsiteLicense: 1549

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (5)

Why choose this provider?

U.S. Home Mortgage is a locally owned and locally operated mortgage lender that serves clients in Lincoln. It specializes in offering a variety of mortgage loan options that include mortgage refinancing, fixed-rate mortgages, new construction, conventional, FHA, VA, home equity, and investment property loans. The company was established in May 2006. Its staff has more than 42 years of combined experience in the mortgage industry, which makes them well-versed in handling various types of home financing transactions.

  • New Construction
  • Refinance
  • Purchase Transactions

1005 S 76th St. Suite 102, Omaha, NE 68114
WebsiteLicense: 10136

Expertise.com Rating

Review Sources

Google
5.0 (131)
Facebook
5.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Finance 1, LLC, serves home buyers and homeowners in the Lincoln metro. The family-operated mortgage company offers a variety of loan choices to meet different needs, such as conventional, FHS, VA, and USDA loans. In addition, it assists clients seeking to refinance their current homes. The company guides clients in determining the ideal loan for their home purchase and financial capacity. Founder Randy Forest has more than 40 years of experience. He received the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers.

  • Refinance

7581 Main St., Omaha, NE 68127
WebsiteLicense: 1325

Expertise.com Rating

Review Sources

Google
4.9 (18)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Rotella Mortgage serves clients in Lincoln and the neighboring metros. It offers a broad range of purchase programs, including conventional, VA, FHA, and subprime loans. The business also handles mortgage refinance options such as rate reduction and debt consolidation programs. Its team of professionals has more than 80 years of collective industry experience. Two of its staff members, Al Rotella and Richard Onderlinde, are recipients of the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers.

  • Refinance

15821 West Dodge Rd., Suite 161, Omaha, NE 68118
WebsiteLicense: 2650

Expertise.com Rating

Review Sources

Google
4.7 (25)

Why choose this provider?

Pillar Financial Mortgage serves first-time homebuyers and residential property investors in Lincoln. It offers a variety of loan programs, including adjustable-rate, fixed-rate, hybrid, FHA, USDA, and VA. Its VA loan program is also available for spouses of killed and missing-in-action servicemen. Additionally, the firm provides a HARP refinancing program designed for clients who owe mortgages more than the value of their homes. The firm's owner, Gerry Johnson, Jr., has over 15 years of experience in the mortgage industry.

  • Reverse Mortgages

17310 Wright St, Omaha, NE 68130
WebsiteLicense: 1974080

Expertise.com Rating

Review Sources

Google
5.0 (17)
Zillow
5.0 (4)

Why choose this provider?

Wilhelm Mortgage is a financial services company that helps clients in the Lincoln metro. It assists first-time homebuyers, self-employed individuals, and immigrants through the process of obtaining mortgages. The company offers various loan options, including VA, USDA, and FHA programs, as well as conventional loans. It has experience working on issues involving home renovation, debt consolidation, and credit improvement. Wilhelm Mortgage supports multiple non-profit organizations, including Rejuvenating Women and Chariots4Hope. Its owner, Jeremy Wilhelm, has over two decades of industry experience.

  • Refinance

6120 Apple’s Way, Lincoln, NE 68516

Expertise.com Rating

Review Sources

Google
4.6 (128)

Why choose this provider?

Pivot Lending Group is a full-service mortgage brokerage firm serving Lincoln. The company offers a wide range of mortgage loans for first-time homebuyers, experienced buyers, and real estate investors. These include FHA, VA, conventional, USDA-RD, HELOC, and Reverse mortgages. The team also provides down payment assistance and mortgage refinancing options for homeowners looking to reduce their monthly payments and long-term interest rates. Bryan Ottaviano, the firm's founder and senior mortgage loan originator, has been in the mortgage business for over 25 years.

  • Reverse Mortgages

2901 South 84th Street, Lincoln, NE 68506
WebsiteLicense: 217460

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Nebraska Mortgage Experts in Lincoln is a mortgage brokerage that provides mortgage and home loan programs. The firm is led by Shari Barnhill, a licensed mortgage loan officer with over 20 years of experience in the industry. Shari has been a resident of Lincoln for more than 17 years and offers loan programs such as conventional loans, government loans, construction loans, jumbo loans, and mortgage refinancing. It also offers NIFA, a program for first-time homebuyers in Nebraska.

  • New Construction
  • Refinance

303 N 114 St, Omaha, NE 68154
WebsiteLicense: 2376

Expertise.com Rating

Review Sources

Google
5.0 (53)
Facebook
5.0 (49)
Yelp
4.0 (4)

Why choose this provider?

Eagle Mortgage, Inc., is a locally owned and operated home loan service that serves the residents of Lincoln and the surrounding areas. It provides a variety of mortgage products, including USDA, HomePath, jumbo, and conventional loans. It also offers home refinancing solutions, such as FHA streamline, FHA cash-out, VA Streamline, and VA cash-out loans. Its team of professionals has experience with first-time home buyers. Eagle Mortgage has been in operation for more than two decades.

  • Refinance

1243 Golden Gate Drive, Papillion, NE 68046
WebsiteLicense: 1703152

Expertise.com Rating

Why choose this provider?

Pitch Edison is a mortgage firm that serves clients in Lincoln. First-time buyers can get help with securing a loan pre-approval for a home or investment property. The company offers jumbo, FHA, VA, and conventional mortgage options, along with loans for doctors and people with low credit scores. Clients can also consult the team about refinancing their existing mortgages so that they have lower monthly payments. Pitch Edison has years of experience in the mortgage business.

  • Refinance

17838 Burke St Ste 102, Omaha, NE 68118
WebsiteLicense: 1944087

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (5)

Why choose this provider?

Aksarben Mortgage is a locally owned and operated private home loan service that serves the residents of Lincoln and the surrounding areas. Its team of professionals offers different types of home loan programs, including traditional fixed-rate, adjustable-rate, hybrid ARM, FHA, and VA loans. Other types of home loan programs it offers include interest-only, balloon, reverse, and graduated payment loans. The company also provides a variety of mortgage refinancing options, including those involving locked-in interest rates.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Shotbolt Mortgage Corporation
17310 Wright Street, Omaha, NE 68130
Capital City Mortgage
237 S 70th St. Suite 206, Lincoln, NE 68510
Gershman Mortgage - Lincoln
8250 Old Cheney Road, Lincoln, NE 68516
U.S. Home Mortgage
5901 South 58th Street, Lincoln, NE 68516
Finance 1 LLC.
1005 S 76th St. Suite 102, Omaha, NE 68114
Rotella Mortgage
7581 Main St., Omaha, NE 68127
Pillar Financial Mortgage
15821 West Dodge Rd., Suite 161, Omaha, NE 68118
Wilhelm Mortgage
17310 Wright St, Omaha, NE 68130
Pivot Lending Group
6120 Apple’s Way, Lincoln, NE 68516
Nebraska Mortgage Expert
2901 South 84th Street, Lincoln, NE 68506
Eagle Mortgage Inc.
303 N 114 St, Omaha, NE 68154
Pitch Edison
1243 Golden Gate Drive, Papillion, NE 68046
Aksarben Mortgage
17838 Burke St Ste 102, Omaha, NE 68118

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.