P roducts
Mortgage Solutions Tailored to You
At Rockbrook Mortgage Inc., we understand that every client's needs are unique. That's why we offer a comprehensive suite of mortgage products designed to meet a wide range of financial situations and home ownership goals.
Products
Loan Purpose
Whether you're embarking on the journey of purchasing your dream home, investing in property, refinancing an existing loan for better terms, or securing funding for a home remodel, Rockbrook Mortgage Inc. is here to support you every step of the way. Our extensive portfolio of loan options ensures we have just the right solution to cater to your specific needs.
Conventional Loans
Ideal for borrowers with strong credit, conventional loans offer a variety of terms and competitive rates to fit your needs. These Require as little as 3% down payment for first time home buyers. Private Mortgage Insurance (PMI) will apply for down payments under 20%.
FHA Loans
With only a 3.5% down payment requirement, FHA loans are a great option for those looking to minimize their upfront costs with competitive rates and wider credit considerations. With FHA loans a Mortgage Insurance Premium (MIP) will apply.
VA Loans
For veterans and surviving spouses of fallen service members, VA loans offer the benefit of no required down payment. A funding fee applies unless waived by the VA for a qualifying disability rating. VA Loans do not require mortgage insurance which can be a significant monthly savings.
Jumbo, Non-QM Loans
Every borrower's situation is unique, which is why we offer a diverse range of loan products to fit your specific needs. Our Jumbo loans are perfect for those looking to finance luxury properties or homes in high-cost areas, allowing you to borrow amounts greater than conventional loan limits. For those with non-traditional income sources or who don't fit the typical lending criteria, our Non-QM loans offer flexible qualification guidelines to help you secure financing.
Home Equity Loans
A closed-end second lien (Home Equity Loan) allows homeowners to borrow against their home's equity without refinancing their existing mortgage (first lien). This can be beneficial for things like home renovation projects, additions, and debit consolidation. These loans will have their own separate amortization schedule interest rate and payment, typically with a shorter term.
We have programs and tailored solutions for your home financing needs
First-Time
A local partner that truly cares
Buying your first home is an exciting milestone, and at Rockbrook Mortgage Inc., we understand the unique challenges first-time buyers face, especially in today’s market. As your local Omaha metro-area mortgage experts, we’re dedicated to educating and guiding you through the home buying process.
With a personalized approach and in-depth knowledge of the best loan programs available, we make your journey to home ownership smooth and successful.
Why Choose Rockbrook Mortgage Inc. for Your First Home?
- Local Expertise: We know the Omaha market, can provide insights specific to your area and can refer you to a great realtor.
- Personalized Service: We take the time to educate and coach you through every step of the process.
- Tailored Loan Options: We offer a range of loan programs designed to meet the needs of first-time buyers, ensuring you get the best terms possible.
- Helping to ensure understanding of the loan terms and process of buying a home.
Buying a home can seem overwhelming, here's a simplified overview of the process:
- Pre-Approval: This is your first step. We’ll help you determine how much you can afford and get pre-approved for a mortgage, making you a more attractive buyer. We’ll verify the most important elements to set you up for success from the start.
- House Hunting: Start your search for the perfect home. We can connect you with trusted local real estate agents if you’re not already working with one.
- Making an Offer: Once you find the right home, you’ll make an offer. Your realtor will guide you on how to make a competitive offer.
- Loan Application & Underwriting: Finalize your mortgage application with our help, ensuring all your paperwork is in order and working with the lender behind the scenes to complete your loan.
- Appraisal: We’ll arrange for an appraisal to ensure the property is worth the price being offered typically appraisers examine the subject property and compare it to similar ones that have sold nearby.
- Inspections: There are inspections that you and your realtor will work through for things like pests or full home inspections to identify any potential issues with the property.
- Closing: Finally, you’ll sign the necessary documents, pay closing costs, and get the keys to your new home!
Ready to start your home-buying journey?
Get in touch today and schedule a free consultation. We’re here to answer your questions and guide you through the process.
Call
OR