Residential Mortgage Lending

Adjustable Rate Mortgage
(5/1 ARM) Loans

Initial interest rate will adjust on a specific date in the future. Perfect for loans that may not conform to the secondary market lending standards.

Construction

While more complex than the standard home loan it is an excellent way to get the home of your dreams.

Conventional Fixed Rate

Traditional long term fixed rate loans for a home purchase or to refinance an existing loan underwritten to secondary market lending requirements

FHLBank Assistance Program

First time homebuyers who fit the criteria receive down payment assistance to purchase a home.

Leased Land

Financing for the purchase or refinance of property located on leased land such as at Johnson Lake, Midway Lake, Jeffrey Lake and Kuester Lake.

NIFA

Nebraska Investment Finance Authority loan that offers lower rate financing to first-time homebuyers who meet all requirements, including household income limits and maximum purchase price limits.

No Closing Cost Loans

Home Federal pays the normal closing fees such as appraisal, credit report, underwriting fee, title and etc. leaving the borrower with minimal closing expense for prepaid items. Good choice for people short of funds when purchasing a home or wanting to pay off their loan early. If the loan does not close for any reason, the applicant is responsible for any fees or expenses in connection with the loan application.

Non Conforming Loans

Perfect for loans that may not conform to the secondary market lending standards.

Rural Development

Rural area home loan that meets income guidelines

VA

Veteran's Administration guaranteed loan for the purchase of a home. No down payment required with proof of your veteran's eligibility.