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
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Gershman Mortgage - Lincoln, NE
5.0 · 239 reviews · Free pre-approval
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Delmar Mortgage Lincoln - Jeff Nelson
5.0 · 75 reviews · Free pre-approval
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Justin Davison, Gershman Mortgage
5.0 · 50 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.
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.
General information, not financial advice — consult a qualified professional.