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home loan today.

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Benefits for VA Loans:

$0

DOWN PAYMENT &
NO PMI1

$0

LENDER FEES2

$0

LOWER INTEREST RATES (FRIENDS & FAMILY PRICING)3

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1. Non-VA loans require a down payment of 20% of the loan value or costly Private Mortgage Insurance (PMI) is added to the loan. 2. If the loan is not a VA Loan, lender fees are $275. Lender fees is defined as origination and processing fees. 3. Veterans receive the same loan rates and better fees than Mutual of Omaha Mortgage employees, typically .25% lower rate than the market!

What are the advantages of VA loans?

More than 20 million veterans and their families have benefited from VA loans for more than 70 years. Mutual of Omaha Mortgage's mission is to increase that number exponentially, as we believe that too few qualified veterans and active-duty service members use their VA home loan benefits. It is our civic duty to find a home loan veterans can afford, and to help them achieve their goals of home ownership.

NO LENDER FEES1

VA loans are loaded with cost-cutting benefits to lower your payment at closing.

LOWER RATES 2

Low interest rates mean lower monthly payments and a more affordable home loan for you.

NO DOWN PAYMENT

Insured by a federal guarantee, your VA loan requires no down payment.

NO MORTGAGE INSURANCE

Typically, a home with a low down payment requires costly mortgage insurance. Not VA loans!

VETERAN/ACTIVE DUTY CENTRIC

Income, down payment and credit requirements are less strict to help veterans get their loan.

Start My VA Loan Application

1. If the loan is not a VA Loan, lender fees are $275. Lender fees is defined as origination and processing fees. 2. Veterans receive the same loan rates and better fees than Mutual of Omaha Mortgage friends and family, typically .25% lower rate than the market!

Who qualifies for a VA loan from Mutual of Omaha Mortgage?

U.S. Military Veterans or Active-Duty service members, with qualifying service records, and qualified spouses as determined by the Department of Veterans Affairs (VA).

You may be eligible for a VA loan if you:
  • Served as little as 90 days on active duty
  • Meet VA-defined Reserve/National Guard specifications with 6-year service
  • Are a spouse of a service member that died in the line of duty, or has a qualifying service-related disability.
  • Match suitable credit, income, employment requirements and have a Certificate of Eligibility

Advertising Rate Disclosures

Disclosure Assumptions - Current as of 10/16/24
  • The Interest rates quoted assume a $300K loan amount, $378K value (~80% LTV), Primary Single Family Residence (SFR 1 unit), Owner Occupied (O/O), with impounds (Escrow), 780 FICO score, 43 DTI (Debt-To-Income ratio), Alameda County, CA.
  • The actual interest rate, APR, and payment may vary based on specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.
15-year Fixed-Rate as low as 6.000% (6.072% APR)
  • The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 6.000% interest rate.
  • This loan has 180 monthly principal and interest payments of $2,532.00. The disclosure APR is based on 0.378 discount points and $1,134 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 6.072%
30-year Fixed-Rate as low as 6.490% (6.540% APR)
  • The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 6.490% interest rate.
  • This loan has 360 monthly principal and interest payments of $1,895.00. The disclosed APR is based on 0.438 discount points and $1,314 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 6.540%
15-year Fixed-Rate VA Loan as low as 6.000% (6.566% APR)
  • The advertised loan is a 15-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 6.000% interest rate.
  • This loan has 180 monthly principal and interest payments of $2,532.00. The disclosure APR is based on 0.254 discount points and $762 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 6.566%
30-year Fixed-Rate VA Loan as low as 5.875% (6.250% APR)
  • The advertised loan is a 30-year fixed-rate full amortizing loan, assuming a $300,000 loan amount and a 5.875% interest rate.
  • This loan has 360 monthly principal and interest payments of $1,775.00. The disclosed APR is based on 0.65 discount points and $1,950 in additional prepaid finance charges due at closing.
  • The Annual Percentage Rate (APR) is 6.250%