A better homebuying experience




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.


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 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 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 provides affordable loan programs for first-time home buyers in Nebraska.

KEY BENEFIT: Below market interest rates and down payments.


A jumbo mortgage is any single loan amount over the conforming loan limit set by Fannie Mae and Freddie Mac, which is currently $799,551.

KEY BENEFIT: Allow purchase of a more expensive home.


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.


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.


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.


Find a mortgage lender near you.