make bold moves WITH CONFIDENCE
Loan Options Built for Nebraska Homebuyers
Finding the right mortgage for your Nebraska home should feel clear and confident. We've simplified everything into straightforward options—each explained in plain terms, so you can understand what fits your situation and take the next step with ease.
Conventional Fixed-Rate Loan
The standard for strong buyers.
- Low down payment options starting around 3–5%.
- Great for primary, second homes, and some investments.
- Best fit for buyers with solid credit and stable income.
FHA Loan
Flexible for imperfect credit.
- Low down payment options starting at 3.5%.
- More forgiving credit guidelines for newer buyers.
- Can help keep monthly payments manageable.
VA Loan
A powerful benefit for Veterans.
- 0% down payment available for eligible Veterans.
- No monthly mortgage insurance.
- Competitive rates and terms – strong in markets like Lincoln.
USDA Rural Development
0% down in eligible areas.
- 0% down payment for qualifying buyers.
- Income & location restrictions apply.
- Great fit in surrounding communities just outside core Lincoln.
Rate & Term Refinance
Lower your rate or adjust your term.
- Reduce monthly payments or shorten loan term.
- Available for most existing mortgage types.
- Great when rates drop or your credit improves.
Cash-Out Refinance
Access your home's equity.
- Use equity for renovations, debt consolidation, or other needs.
- Replace existing mortgage with larger loan.
- Competitive rates for qualified borrowers.
Jumbo Loan
For higher-priced properties.
- Loan amounts above conventional limits.
- Competitive rates for well-qualified buyers.
- Perfect for luxury or high-value Nebraska homes.
Investment Property Loan
Build your rental portfolio.
- Financing for non-owner occupied properties.
- Typically requires 15-25% down payment.
- Strong option for Lincoln-area rental investments.
Schedule a consultation today
Ready to buy or refinance in Nebraska? Let’s review your options, lock in the right mortgage, and build a smart home loan strategy that fits your budget and your goals.
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Adam Terasinski is a Licensed REALTOR® with Prime Home Realty and a Mortgage Loan Originator with C2 Financial Corporation (NMLS #135622) located in Lincoln, Nebraska. He’s built a reputation for straight talk, speed, and a relentless work ethic.
Adam shops across 100+ lenders to secure the strongest rates and programs available—transparent fees, rapid responses, and no surprises.
With expertise in both real estate and lending, Adam streamlines the path from home search to financing. His mission: empower clients to act boldly and confidently.
reach out
You may also reach me at aterasinski@c2financial.com or follow me on social media!