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Whether you’re looking for a place to call home, or you just want to spruce things up a bit — we’ve got the right team of home lenders to help you! Nebraska Energy Federal Credit Union mortgage loan officers are pros when it comes to Nebraska home loans and are here to assist you with every step you take toward your new place, starting with your loan options. Check our great lineup of loans below to learn more.

Confused by the home buying process? Get the information you need by visiting our Home Center.

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Apply for an adjustible or fixed rate home loan at NE-FCU

Mortgage Rates

Loan TypeAPR*Details
Adjustable Rate Mortgage As Low As 2.90% Closing Costs‡ waived if loan remains open for 36 months. Variety of repayment terms available. Contact our mortgage lending department for more information.
Construction Loans Call credit union for terms.
15, 20 & 30 Year Fixed Rate These loans are available on the secondary market. The Credit Union retains the servicing of these loans.
Term Buster Fixed Rate Mortgage As Low As 2.60% Closing Costs‡ waived if loan remains open for 36 months. Variety of repayment terms available. Contact our mortgage lending department for more information.

View Mortgage Rate Disclosures

Mortgage Loan Disclosures

Note: scroll to view entire disclosure.

*APR = Annual Percentage Rate. The maximum APR that may be imposed is 18%. Subject to credit approval. Rates and rebates subject to change without notice. Loan approval, based on creditworthiness and ability to repay. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice.

Property insurance required.

Mortgage Lending Area: Nebraska, Iowa, Missouri, Colorado, Wyoming, Kansas, Oklahoma, South Dakota. Appraisals required on all purchases. Financing up to 80% of purchase price or appraised value, whichever is less. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment.

ARM = Adjustable Rate Mortgage: Interest rate is variable. Subject to change after a predetermined period and may increase during the life of the loan.

Adjustable Rate Mortgage Payment Example/ 6 Year ARM (Payments do not include taxes or insurance premiums):

PeriodsRate %Principle & Interest Payment
First 72 Months 2.500 $355.61
Following 72 Months 4.000 $416.09
Following 72 Months 5.500 $467.37
Following 72 Months 7.000 $505.83
Final 72 Months 8.500 $527.06

15, 20 and 30 Year Fixed Rate Mortgages are available on the secondary market. The Credit Union retains the servicing on these loans. Some restrictions apply. Subject to credit approval.

‡Closing costs include: Application Fee, Termite Inspection, Credit Report, and Flood Certification. Closing costs are waived initially but later charged if the loan is paid off prior to the 36 months.

Payment Example (Payments do not include taxes or insurance premiums):

  • $150,000 balloon mortgage loan with a 3.550% APR, the monthly payment will be $742.80 for 179 payments, with a balloon payment of $79,794.92 due in 15 years.
  • $100,000 mortgage loan with a term of 15 years, with a 3.55% APR, the monthly payment will be $717.51
  • $100,000 mortgage loan with a term of 20 years, with a 3.55% APR, the monthly payment will be $582.70
  • $100,000 mortgage loan with a term of 30 years, with a 3.55% APR, the monthly payment will be $452.01

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Disclaimer

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Please be advised that Nebraska Energy Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.

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Buying a Home

House

We know that buying a home is a major deal. It can easily become overwhelming, but we've got the team to help you get through it. Let our experts sort through the stacks of information to provide you with the best solution for your financial situation.

Want to learn more about home buying? Get started by visiting our Home Center.

NEFCU Home Center

Nebraska Energy Mortgages Feature:

  • New home purchase or refinance
  • Adjustable-Rate or Fixed-Rate
  • Borrow up to 80% of the purchase price or appraised value, whichever is less.
  • 95% Financing is available to qualified borrowers and requires Private Mortgage Insurance

Our Mortgage Products

Fixed-Rate Mortgage

We want what’s best for our members, and that is why we provide a range of fixed rate mortgage loans through the Secondary Market. What this means to you:

15, 20 or 30 year term loans available on the Secondary Market. Nebraska Energy Federal Credit Union retains the servicing on these loans. Please note that an origination fee applies.

  • The interest rate and monthly payment is set for the life of the loan.

Term Buster Fixed-Rate Mortgage

If your desire is to pay off your mortgage sooner you may want to consider our Term Buster fixed-rate mortgage.

  • Pay off your mortgage faster
  • Variety of rates and terms
  • Closing costs waived if loan remains open for 36 months
  • Title Insurance and Homeowners Insurance Apply
  • Appraisal may apply

Adjustable Rate Mortgage (ARM)

ARMs feature lower rates and payments early on in the loan term. The lower payment can help when you are qualifying for a first home or let you purchase a larger home.

  • Variety of rates and terms available.
  • Adjustable Rate Mortgage interest rate is variable. It is subject to change after a predetermined period and may increase during the life of the loan.
  • All Adjustable Rate Mortgages have a CAP at each maturity.
  • At maturity, the rate is adjusted according to the market index.

For rates and terms, give us a call today at 800-453-3913.

Construction Zone

Photo of construction site

You have the lot. You have the builder. You have a plan. Get constructive with a low-rate loan to jump start your construction project.

Call or come by to speak to our lending department today!

Contact Us: 800-453-3913