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Mortgage Resources

Nebraska National Bank understands the complexity of mortgage financing options when purchasing a home. That is why we are happy to offer each of our customers assistance while finalizing the purchase of their home. The links below can offer helpful information to any future homeowner.

Prospective Homebuyers

Is Homeownership Right for You?

Buying a home is the largest purchase most people will ever make. Homeownership has great benefits. Homeownership also comes with certain responsibilities.

Step by Step Homebuyer's Guide

To reach the NIFA Homebuyer's Guide follow the instructions below.

• Follow the Link above.
• Go to the drop down box that says "Choose Your Program"
• Scroll to the bottom and Select "Single Family"
• If further instruction is required please contact a Mortgage Loan Officer today.

Find a home/Find a Realtor in your Area

Realtor.com is a fantastic website that can help prospective homeowners find homes and Realtors in there area, or in an area they are expecting to move. You can use this website to help you find the home of your dreams.

Homebuyer Education

Instructions for taking the Homebuyer Education Online

• Follow the link above: select "yes" when the warning screen pops up.
• Once at the MGIC website find a column on the left labeled "Other MGIC Sites"
• Choose either "Buyers Ed in English" or "Buyers Ed en Espanol"
• Review the offered material to help you prepare for the Buyers Ed Test
• Select the link to take the "Buyers Ed Test"
• Fill out the information completely.
• The buyers ed code is the following e-mail: ljmethe@nnb-krny.com
• After completing and passing the test, print the certification, sign and Return to Nebraska National Bank. If you don't pass you can take the test again.
• This must be done prior to closing of your NIFA loan.

Rural First Time Homebuyer Program

The Rural First-time Homebuyer Program (RFHP) is a down payment assistance program designed to help first-time homebuyers in rural areas purchase a home.

• Eligible Homebuyer Requirements
  • No cash back at closing.
  • Income that is 80% or less of the area median, based on income of all household members.
  • Purchase a home located in a rural area (Kearney is inlcluded).
  • Complete a homebuyer education/counseling program prior to receiving the funds.
  • Provide a minimum down payment of $500; and
  • Have an income not based on a temporary condition (such as a full-time student).
  • Home Buyer Education Must be completed using the this link. "Buyers Ed Test"

Funds are on a "first come, first serve" basis.