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Review Keywords Analysis

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

Mortgage Affordability Calculator Omaha, NE

How much house can you afford in Omaha? 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 Omaha

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

1

Benchmark Mortgage Omaha

Known for its client-focused approach and in-house processing, Benchmark Mortgage Omaha helps buyers find loans that fit their financial goals. The team guides clients through pre-approval and home financing with clear communication and personalized support. Customers appreciate the smooth process and the sense of partnership throughout their home-buying journey.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Mortgage Pre-Approval Quoted per loan
Construction-to-Permanent Loans Quoted per loan
Short-term Construction Loans Quoted per loan
View Profile
(402) 933-3300
Open 8:00 AM - 5:00 PM
13340 California St Ste 202, Omaha, NE 68154
General Services
Mortgage Services
2

Mortgage Specialists, LLC

Mortgage Specialists, LLC focuses on making the mortgage process straightforward and clear, with a team known for responsive communication and timely updates. They assist with home loan applications and work closely with clients to keep the process on schedule. Customers appreciate their helpful approach and consistent support throughout the transaction.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Loan Closing Assistance Quoted per loan
View Profile
(402) 991-5153
Open 9:00 AM - 5:00 PM
8420 W Dodge Rd #113, Omaha, NE 68114
General Services
Mortgage Services
3

Mutual of Omaha Mortgage

With over a century of financial expertise behind it, Mutual of Omaha Mortgage offers a wide range of home loan options including purchase, refinance, VA, FHA, and construction loans. The team provides personalized guidance and competitive rates, though some clients have experienced delays in communication during certain loan processes.

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(630) 809-5567
Open 8:00 AM - 6:00 PM
10909 Mill Valley Rd Suite 200, Omaha, NE 68154
4

Michael Petrovich - Petrovich Team Home Loan

Petrovich Team Home Loan offers an instant pre-qualification tool that helps potential homebuyers quickly understand their borrowing capacity. The team guides clients through mortgage loan applications and compares options to find suitable terms. Customers appreciate the clear communication and responsiveness throughout the process, making home financing less overwhelming.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(402) 305-4824
Open 7:00 AM - 11:00 PM
14301 FNB Pkwy #100, Omaha, NE 68154
General Services
Mortgage Services
5

Shotbolt Mortgage Corporation

Known for competitive rates and a streamlined online application process, Shotbolt Mortgage Corporation offers a range of mortgage options including VA loans, refinancing, and financing for first-time buyers or the self-employed. Clients appreciate the team’s thorough, responsive approach and clear communication throughout the home financing journey.

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(402) 850-9739
Open 8:00 AM - 9:00 PM
17310 Wright St #104, Omaha, NE 68130
Where they are 10 on the map Click a pin for the profile and directions
6

Terry Williams | Fairway Independent Mortgage Corporation Loan Officer / Reverse Mortgage Planner

Specializing in home equity lines of credit and reverse mortgages, this team offers clear guidance throughout the loan process. They provide attentive communication and support, helping clients feel confident and informed. Some customers note the process can take time, but appreciate the patient, knowledgeable assistance.

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(402) 301-4500
Open 8:00 AM - 6:00 PM
11422 Miracle Hills Dr #310, Omaha, NE 68154
7

Brad Dombrosky - Flat Branch Home Loans

With over 20 years of experience, Brad Dombrosky at Flat Branch Home Loans offers personalized mortgage guidance for first-time buyers, refinancing, and debt consolidation. The team is known for clear communication and accessibility, often reaching clients by phone rather than email to keep them informed throughout the process.

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(402) 512-0041
Open 8:00 AM - 8:00 PM
541 N 155th Plaza, Omaha, NE 68154
8

Eagle Mortgage Co

With over 30 years of local ownership and an A+ BBB rating, Eagle Mortgage Co offers a wide range of mortgage products tailored to buyers and refinancers in Nebraska, Florida, and Iowa. The team is known for making the lending process straightforward and professional, though some clients note the experience can vary depending on specific loan types.

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(402) 397-7180
Open 8:00 AM - 5:00 PM
303 N 114th St, Omaha, NE 68154
9

Ryan Larsen, Mortgage Lender

Known for fast and clear communication, Ryan Larsen specializes in helping clients—including self-employed borrowers—navigate home loan approvals efficiently. The team handles everything from pre-approval to closing, often completing processes quicker than typical timelines. Customers appreciate the smooth experience and responsive support, though most interactions are remote rather than in… more...

Known for fast and clear communication, Ryan Larsen specializes in helping clients—including self-employed borrowers—navigate home loan approvals efficiently. The team handles everything from pre-approval to closing, often completing processes quicker than typical timelines. Customers appreciate the smooth experience and responsive support, though most interactions are remote rather than in person.

Services & Prices
Home Loan Approval Quoted per loan
Pre-Approval for Home Loan Quoted per loan
View Profile
(402) 871-2985
Open 8:00 AM - 8:00 PM
1910 S 72nd St Suite 103, Omaha, NE 68124
General Services
Mortgage Services
10

Wilhelm Mortgage-Jeremy Wilhelm

Wilhelm Mortgage Inc. focuses on providing a fast, simple, and secure mortgage experience with personalized guidance through every step. Their services include pre-approvals, refinancing, VA loans, and specialized options for first-time buyers and self-employed clients. Customers appreciate the team’s clear communication and responsiveness, which help ease the stress of the mortgage process.

View Profile
(402) 210-8352
Open 8:00 AM - 9:00 PM
17310 Wright St #104, Omaha, NE 68130

Omaha Mortgage Statistics

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

Lenders made 7,991 home-purchase loans in Douglas County in 2025 (average about $325,000) and denied 569 — 7% of decided applications, compared with 8% across Nebraska, according to federal mortgage data (HMDA, CFPB). In Omaha, the median home is worth $245,500 and 64% of owners have a mortgage, paying a median $1,783 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
7,991▲ 9%7,331 in 2024
Denial rate
7%NE 8%
Median home value
$245,500NE $238,600
Monthly cost with a mortgage
$1,783median · NE $1,736
Refinance loans made (Douglas County, 2025)
3,739 · 2,543 in 2024
Home-improvement loans made (2025)
1,318
Average home-purchase loan
$325,000 (NE $310,000)
Owners with a mortgage
64% · 24% of them spend 30%+ of income on housing
Median household income
$73,201 (NE $76,475)

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

Omaha Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Benchmark Mortgage Omaha 5.0 817 Quoted per loan (402) 933-3300 Visit
2 Mortgage Specialists, LLC 5.0 603 Quoted per loan (402) 991-5153 Visit
3 Mutual of Omaha Mortgage 4.8 437 — (630) 809-5567 Visit
4 Michael Petrovich - Petrovich Team Home Loan 5.0 401 Quoted per loan (402) 305-4824 Visit
5 Shotbolt Mortgage Corporation 5.0 285 — (402) 850-9739 Visit
6 Terry Williams | Fairway Independent Mortgage Corporation Loan Officer / Reverse Mortgage Planner 5.0 133 — (402) 301-4500 Visit
7 Brad Dombrosky - Flat Branch Home Loans 5.0 119 — (402) 512-0041 Visit
8 Eagle Mortgage Co 4.9 110 — (402) 397-7180 Visit
9 Ryan Larsen, Mortgage Lender 5.0 69 Quoted per loan (402) 871-2985 —
10 Wilhelm Mortgage-Jeremy Wilhelm 4.9 57 — (402) 210-8352 Visit

How this Omaha 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 Omaha mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and PMI. Actual approval requires lender verification.
How much house can I afford on a $100k salary in Nebraska?
Lenders often cap housing costs at 31% of gross income and total debt at 43%. Use the calculator to estimate based on your specific details.
What is the minimum down payment for a home in Omaha?
First-time buyers can put down as little as 3% on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect my mortgage affordability in Omaha?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator uses a 7.40% starting rate, subject to change weekly.
How do monthly debts impact how much mortgage I can get?
Lenders typically limit total debt payments to 43% of gross monthly income. Higher debts reduce the mortgage amount you qualify for.
What are property taxes like in Nebraska?
Nebraska property tax is about 1.38% of the home's value annually. This is factored into your mortgage affordability estimate.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit. Pre-qualification is an initial estimate without verification.
Why might I need private mortgage insurance (PMI) in Omaha?
If your down payment is under 20% on a conventional loan, PMI is required. It's about 0.6% of the loan annually and can be removed when equity reaches 20%.
What does a mortgage broker do?
A mortgage broker connects borrowers with lenders, helping find suitable loan options and guiding through the application process.

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