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Best Mortgage Brokers in Lincoln

2023

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Website
2901 South 84th Street, Lincoln, NE 68506
  • New Construction
  • Refinance

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.

License Verified:

License: 217460

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
17310 Wright St, Omaha, NE 68130
  • Refinance

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.

License Verified:

License: 1974080

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)
Zillow
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5901 South 58th Street, Lincoln, NE 68516
  • New Construction
  • Refinance
  • Purchase Transactions

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.

License Verified:

License: 1549

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
237 S 70th St. Suite 206, Lincoln, NE 68510
  • New Construction
  • Refinance

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.

License Verified:

License: 3320

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8250 Old Cheney Road, Lincoln, NE 68516
  • New Construction
  • Refinance

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.

License Verified:

License: 138063

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (50)
Facebook
5.0 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1005 S 76th St. Suite 102, Omaha, NE 68114
  • Refinance

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.

License Verified:

License: 10136

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
303 N 114 St, Omaha, NE 68154
  • Refinance

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.

License Verified:

License: 2376

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (53)
Facebook
5.0 / 5 (49)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
17310 Wright Street, Omaha, NE 68130
  • Refinance

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.

License Verified:

License: 1974075

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (112)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
770 North Cotner Boulevard, Lincoln, NE 68505
  • Purchase Transactions

Why choose this provider?

First United Mortgage is a full-service mortgage brokerage firm serving builders, real estate professionals, and individual homebuyers in Lincoln and its neighboring areas. The company's agents are knowledgeable in mortgage lending, from purchase to construction lending and refinance. It provides borrowers with a full range of loan options, including a 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, adjustable-rate mortgage, and hybrid adjustable-rate mortgage. First United Mortgage keeps clients informed about their loans' status and offers its mortgage services online. Services in Spanish are also available.

License Verified:

License: 2353

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
17838 Burke St Ste 102, Omaha, NE 68118
  • Refinance

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.

License Verified:

License: 1944087

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (22)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15821 West Dodge Rd., Suite 161, Omaha, NE 68118
  • Reverse Mortgages

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.

License Verified:

License: 2650

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6120 Apple’s Way, Lincoln, NE 68516
  • Reverse Mortgages

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (128)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7581 Main St., Omaha, NE 68127
  • Refinance

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.

License Verified:

License: 1325

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1243 Golden Gate Drive, Papillion, NE 68046
  • Refinance

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.

License Verified:

License: 1703152

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • 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.