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Personal Banking \ Mortgage Loans

Personal Mortgage Loan Products

Home Equity Loan

Home Equity

Line of Credit

Nebraska Energy Loan
A fixed rate mortgage is typically fixed for a set period of time.

Used to purchase a home, this is a mortgage loan with an interest rate that is linked to an economic index.

 

After years of dreaming about it, it's finally time to build the home of your dreams.

Come talk to us about temporary financing for the construction of your new home.

Use the equity in your home for home improvements, college, or almost anything.  Usually a one-time expense and loan advance with a fixed repayment term

Use the valuable equity in your home to borrow for things you need today but don't have the money for right now.

Low interest loans are available to qualified Nebraska residents in

conjunction with the Nebraska Energy Office

Typically used to purchase your primary home

As time goes on, more of the mortgage payment goes towards the principal and less of the payment goes to the interest.

Typically used to purchase your primary home

Adjustable-rate mortgages typically have an initial fixed rate lower than that of comparable fixed rate mortgages. The initial fixed-rate period is followed by
adjustment intervals

Used to build your primary home

Construction loans aren't meant to be a method of long-term financing and typically require interest-only payments during construction and become due upon completion.

Many people find that home equity loans are convenient for debt consolidation, paying for education expenses not covered by federal aid and paying for weddings since the interest rate is often lower and may be tax-deductible.
Uses include improvements to your home, part of the down payment for your dream home,
college expenses for your children, or purchasing a new car or other large-ticket item
Uses include financing home improvements, including repairs, remodeling, or making your home more energy efficient.

Subject to credit report and approval

 

Subject to credit report and approval

Subject to credit report and approval

Funds are typically disbursed to the contractor as work is completed.

Subject to credit report and approval

Funds typically are disbursed once and do not revolve.

Subject to credit report and approval

The advantage of a home equity line of credit is having the flexibility to use the funds when you need them and pay back on a revolving basis, rather than a loan with funds that are available only once.

Subject to credit report and approval
Long-term mortgage with a payment that stays the same for the life of the loan The rate and monthly payment will adjust periodically Once your home is built, we'll arrange long-term financing that will meet all of your needs and help you settle into your new home This can be a fixed or variable rate loan - depending on how long your repayment ability and your needs A variable rate line of credit.