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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Nebraska
  4. Lincoln
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Lincoln, NE

How much house can you afford in Lincoln? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Lincoln

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Gershman Mortgage - Lincoln, NE

With decades of experience since 1986, Gershman Mortgage offers a wide range of loan programs, including options for first-time buyers, veterans, and medical professionals. The team is known for clear communication and responsiveness, guiding clients through the home-buying process with patience and thorough updates. Some borrowers note the process can require detailed documentation, but the… more...

With decades of experience since 1986, Gershman Mortgage offers a wide range of loan programs, including options for first-time buyers, veterans, and medical professionals. The team is known for clear communication and responsiveness, guiding clients through the home-buying process with patience and thorough updates. Some borrowers note the process can require detailed documentation, but the staff’s support helps ease the experience.

Services & Prices
Home Search Assistance Quoted per loan
View Profile
(402) 512-1408
Open 8:00 AM - 5:00 PM
8250 Old Cheney Rd Ste B, Lincoln, NE 68516
General Services
Home Buying
2

Delmar Mortgage Lincoln - Jeff Nelson

Delmar Mortgage Lincoln - Jeff Nelson is known for responsive communication and clear explanations throughout the loan process. The team offers mortgage brokerage services and is appreciated for making home financing feel straightforward and manageable. Some clients note the process can still feel complex, but the agents remain helpful and attentive.

View Profile
(402) 858-2611
Open 8:00 AM - 5:00 PM
301 S 70th St #200, Lincoln, NE 68510
3

Justin Davison, Gershman Mortgage

Gershman Mortgage focuses on combining accessible online tools with personalized guidance to simplify the mortgage process. The team offers a variety of loan programs, including options for first-time buyers, medical professionals, and investors. Customers appreciate the friendly, patient support, though some note the process can still feel complex at times.

Services & Prices
First-Time Home Buyer Assistance Quoted per loan
View Profile
(402) 309-6254
Open 8:00 AM - 8:00 PM
8250 Old Cheney Rd Ste B, Lincoln, NE 68516
General Services
Mortgage Services
4

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation offers personalized mortgage guidance with a focus on clear communication throughout the home buying process. The team provides various loan options and is appreciated for their professionalism and willingness to explain each step. Some customers have noted occasional difficulty reaching the office during advertised weekend hours.

View Profile
(402) 672-3615
Open 9:00 AM - 5:30 PM
3400 Plantation Dr Ste 100, Lincoln, NE 68516
5

Capital City Mortgage, Inc.

Capital City Mortgage, Inc. is recognized for its responsive team that works around clients’ schedules to simplify the home-buying process. They offer mortgage brokerage services with clear communication and personalized support from start to finish. Customers appreciate their professionalism and willingness to answer questions promptly.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(402) 489-2099
Open 9:00 AM - 5:00 PM
237 S 70th St #206, Lincoln, NE 68510
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Kristin M. Boucher | Fairway Independent Mortgage Corporation | NMLS ID #580477

Fairway Independent Mortgage Corporation, represented by NMLS ID #580477, offers knowledgeable and responsive mortgage services that help simplify the home financing process. The team handles everything efficiently, providing clear communication and support for first-time buyers and experienced homeowners alike. Customers appreciate the ease of document submission and timely responses throughout… more...

Fairway Independent Mortgage Corporation, represented by NMLS ID #580477, offers knowledgeable and responsive mortgage services that help simplify the home financing process. The team handles everything efficiently, providing clear communication and support for first-time buyers and experienced homeowners alike. Customers appreciate the ease of document submission and timely responses throughout the process.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(402) 672-3615
Open 9:00 AM - 5:00 PM
2901 S 84th St Ste 10, Lincoln, NE 68506
General Services
Mortgage Services
7

PrimeLending, A PlainsCapital Company - Lincoln NE

PrimeLending, part of PlainsCapital Company, offers a variety of home loan options including purchase, refinance, VA, and renovation loans, with a focus on a streamlined digital process. The team guides clients through each step, aiming to simplify what can be a complex experience, though some may find the process detailed. Customers appreciate the clear communication and support throughout.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Home Buying Workshops Quoted per loan
View Profile
(402) 972-4579
Open 8:30 AM - 5:00 PM
233 S 13th St Suite 1100, Office 1131, Lincoln, NE 68508
General Services
Home Loan Services
8

U.S. Home Mortgage

U.S. Home Mortgage specializes in guiding clients through the home buying and relocation process with clear, patient communication. The team offers mortgage brokerage services, helping customers navigate fluctuating interest rates and complex paperwork. Many appreciate their responsiveness and willingness to answer questions throughout the process.

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(402) 483-0000
Open 8:15 AM - 5:15 AM
5901 S 58th St A, Lincoln, NE 68516
9

Nebraska Mortgage Expert NMLS #217460

With over 25 years of experience in banking and mortgage lending, Nebraska Mortgage Expert offers personalized guidance and local insights to help Nebraska families navigate home financing. The team assists with a variety of loan programs, including VA, USDA, and construction loans, and is known for clear communication and responsive service throughout the process.

View Profile
(402) 202-6267
Open 9:00 AM - 5:00 PM
4400 S 86th St #101, Lincoln, NE 68526
10

Dominic Arias - CMG Home Loans

Licensed in Nebraska and Iowa with a nationwide reach through CMG Financial’s platform, Dominic Arias focuses on mortgage solutions that align with long-term financial goals and wealth building. The team offers a variety of loan options and emphasizes clear, personalized guidance, helping clients feel confident throughout the home buying or refinancing process.

Services & Prices
Pre-Approval Quoted per loan
Home Loan Quoted per loan
Refinancing Quoted per loan
View Profile
(531) 220-2408
Open 8:00 AM - 6:00 PM
5800 Hidcote Dr #106, Lincoln, NE 68516
General Services
Mortgage Services

Lincoln Mortgage Statistics

Home-purchase lending in Lancaster County and home costs in Lincoln, NE (latest HMDA and Census data)

Lenders made 4,626 home-purchase loans in Lancaster County in 2025 (average about $307,000) and denied 246 — 5% of decided applications, compared with 8% across Nebraska, according to federal mortgage data (HMDA, CFPB). In Lincoln, the median home is worth $264,000 and 64% of owners have a mortgage, paying a median $1,697 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
4,626▲ 10%4,205 in 2024
Denial rate
5%NE 8%
Median home value
$264,000NE $238,600
Monthly cost with a mortgage
$1,697median · NE $1,736
Refinance loans made (Lancaster County, 2025)
2,242 · 1,572 in 2024
Home-improvement loans made (2025)
450
Average home-purchase loan
$307,000 (NE $310,000)
Owners with a mortgage
64% · 21% of them spend 30%+ of income on housing
Median household income
$71,867 (NE $76,475)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Lancaster County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Lincoln Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Gershman Mortgage - Lincoln, NE 5.0 239 Quoted per loan (402) 512-1408 Visit
2 Delmar Mortgage Lincoln - Jeff Nelson 5.0 75 — (402) 858-2611 Visit
3 Justin Davison, Gershman Mortgage 5.0 50 Quoted per loan (402) 309-6254 Visit
4 Fairway Independent Mortgage Corporation 4.9 46 — (402) 672-3615 —
5 Capital City Mortgage, Inc. 5.0 34 Quoted per loan (402) 489-2099 Visit
6 Kristin M. Boucher | Fairway Independent Mortgage Corporation | NMLS ID #580477 5.0 29 Quoted per loan (402) 672-3615 Visit
7 PrimeLending, A PlainsCapital Company - Lincoln NE 5.0 22 Quoted per loan (402) 972-4579 Visit
8 U.S. Home Mortgage 5.0 15 — (402) 483-0000 Visit
9 Nebraska Mortgage Expert NMLS #217460 5.0 14 — (402) 202-6267 Visit
10 Dominic Arias - CMG Home Loans 5.0 11 Quoted per loan (531) 220-2408 Visit

How this Lincoln mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Nebraska rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 1.38% of the home's value a year, the Nebraska average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It calculates mortgage amount, payment, PMI, and property tax.
How accurate is the mortgage affordability calculator?
The calculator provides an estimate. A pre-approval from a lender confirms real numbers by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a mortgage in Nebraska?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Lincoln?
With less than 20% down, PMI is required, costing about 0.6% of the loan annually. It can be removed once the balance is below 80% of the home's value.
How do interest rates impact mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, affecting affordability.
How do debts affect how much mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt payments in the debt-to-income ratio.
What are property taxes like in Nebraska?
Property taxes in Nebraska average about 1.38% of the home's value annually for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate estimate. Pre-qualification is a preliminary assessment.

General information, not financial advice — consult a qualified professional.