Nebraska neighborhood homes

Serving All of Nebraska

The Right Loan for Your Life.

As an independent broker, we shop 50+ lenders to match you with the program that fits your goals, your budget, and your timeline.

Most Popular

FHA Loans

The go-to loan for first-time buyers in Nebraska.

FHA loans are backed by the Federal Housing Administration and require as little as 3.5% down. They're designed for buyers with moderate credit scores and are one of the most popular paths to homeownership in Omaha and across Nebraska.

Down payment as low as 3.5%
Minimum credit score of 580
Flexible debt-to-income ratios
Available for single-family and multi-unit homes

Ideal for

First-time buyers, buyers with less-than-perfect credit, or those with limited savings for a down payment.

Ask About FHA Loans

Conventional Loans

Flexible terms for qualified buyers.

Conventional loans aren't backed by the government, which means they often come with more flexibility in terms, property types, and loan amounts. With strong credit and a solid down payment, you can avoid mortgage insurance entirely.

Down payment as low as 3%
No upfront mortgage insurance premium
PMI removable once you reach 20% equity
Available for primary, secondary, and investment properties

Ideal for

Buyers with good credit (620+) who want more flexibility in loan structure and property type.

Ask About Conventional Loans
Zero Down

VA Loans

A powerful benefit for those who served.

VA loans are one of the best mortgage benefits available — zero down payment, no private mortgage insurance, and competitive rates. If you're an eligible veteran, active-duty service member, or surviving spouse, you've earned this.

0% down payment required
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements

Ideal for

Eligible veterans, active-duty military, National Guard members, reservists, and surviving spouses.

Ask About VA Loans

Refinance

Lower your rate or unlock your equity.

Whether you want to reduce your monthly payment, shorten your loan term, or tap into your home's equity for renovations or debt consolidation — a refinance could be the smartest financial move you make this year.

Rate-and-term refinance to lower your payment
Cash-out refinance to access equity
FHA and VA streamline options available
No-cost refinance options available

Ideal for

Homeowners who want to reduce their rate, change their loan term, or access home equity.

Ask About Refinance

Jumbo Loans

Financing for Nebraska's higher-value properties.

When the purchase price exceeds conforming loan limits, a jumbo loan steps in. We work with lenders who specialize in jumbo financing to get you competitive rates on higher-value homes throughout Nebraska.

Loan amounts above conforming limits
Competitive rates through our lender network
Fixed and adjustable rate options
Primary and second home financing

Ideal for

Buyers purchasing higher-value homes that exceed conventional conforming loan limits.

Ask About Jumbo Loans

Not Sure Which Loan Is Right for You?

That's exactly what we're here for. A quick conversation with our team can save you thousands — and a lot of stress.

CharterHomeLoans.com

Your local, independent mortgage broker — helping first-time homebuyers find the right loan with confidence.

Get in Touch

(402) 939-6226

[email protected]

Based in Omaha, Nebraska
Serving homebuyers statewide

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CharterHomeLoans.com | NMLS Individual #1976033 | NMLS Brokerage #2317970Equal Housing Lender | Licensed Mortgage Broker | Not affiliated with any government agency.

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