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MORTGAGE LOAN PRODUCTS
CONVENTIONAL
A Conventional Mortgage is any mortgage that is not insured or guaranteed by the federal government or state government. Conventional mortgages typically require a higher down payment, usually 5%-20%. They also have higher income and credit score requirements than government loans.
KEY BENEFIT: Repayment terms are generally more favorable.
FHA
The Federal Housing Administration (FHA) insures these mortgages so Adams Bank & Trust can offer you very attractive loan terms, With flexible qualification guidelines, these loans can be especially helpful and benefit first-time homebuyers and buyers who don't have perfect credit or a lot of money to put down.
KEY BENEFIT: Low down payment (as low as 3.5% of the purchase price.)
VA
VA Home Loans help veterans finance the purchase of a home with very favorable loan terms at an interest rate typically lower than rates charged on other types of mortgages.
KEY BENEFIT: No down payment required.
USDA
USDA Home Loans are for low to moderate-income homebuyers wanting to buy a home in a rural area. USDA Home Loans are affordable and backed by the federal government.
KEY BENEFIT: 100% financing on a fixed 30-year loan on the appraised value of the home.
NIFA
NIFA provides affordable loan programs for first-time home buyers in Nebraska.
KEY BENEFIT: Below market interest rates and down payments.
JUMBO
A jumbo mortgage is any single loan amount over the conforming loan limit set by Fannie Mae and Freddie Mac, which is currently $806,500.
KEY BENEFIT: Allow purchase of a more expensive home.
BRIDGE
Provides the opportunity to purchase a new home prior to selling current home.
KEY BENEFIT: Interest only payments until the sale of your current home.
LAND
Purchase a piece of land with no residence on it prior to construction of a primary residence.
KEY BENEFIT: Simple, temporary financing prior to construction.
CONSTRUCTION
Short term loan to cover the building of a new home as a primary residence.
KEY BENEFIT: Flexible financing options.
HOME EQUITY LINES OF CREDIT
Make home improvements, pay for school, consolidate high-interest debt, or have funds available for emergencies.
KEY BENEFIT: Low interest rate for various financing needs.
All mortgage loan products are subject to credit approval and must meet loan and program qualifications.
EXPLORE THE POSSIBILITIES
Find a mortgage lender near you.