Mortgage

Whether you're a first-time homebuyer, a seasoned property owner, or someone seeking specialized mortgage options, our diverse portfolio of mortgage loan products aims to align seamlessly with your needs.


Conventional Fixed Rate 15 to 30-year Mortgage

This loan is structured to amortize over a 15 to 30-year period (equivalent to 180 to 360 months), characterized by a fixed interest rate and steady payments of principal and interest throughout the loan's lifespan. A prerequisite for these loans is a minimum down payment of 5%.


USDA Rural Development

This loan is guaranteed through the USDA Rural Development and is commonly called an RD Loan. It will amortize over a period of 30-years (360 months) at a fixed rate, featuring consistent payments of principal and interest throughout the entire loan duration. Typically, RD loans entail no down payment requirements.


Veterans Affairs Loans (VA)

We offer VA Loans exclusively to eligible veterans, a distinguished offering designed to honor and support those who have served in the military. These loans are distinguished by their steadfast fixed interest rates, ensuring financial stability and predictability for our esteemed clients. These loans generally do not necessitate a down payment.


Nebraska Investment Finance Authority (NIFA)

This specialized loan program is extended by the State of Nebraska to cater specifically to first-time homebuyers, contingent upon meeting specified income and purchase price criteria. The loan structure entails a 30-year amortization period, presenting a fixed-rate program characterized by rates below market standards.


Nebraska Energy Loans

We offer these loans in conjunction with the Nebraska Department of Environment and Energy (NDEE), tailored specifically for Energy Efficient Improvements. The eligibility critera encompass two key requirements: firstly, the approval of all improvements by NDEE before project commencement, and secondly, the prerequisite for MNB Bank to make the credit decision before the initiation of the project. These loans feature an exceptionally low interest rate, and depending on the loan amount, offer the flexibility of a term of up to 10 years.


Home Equity Line of Credit (HELOC)

This product is a line of credit type loan that puts you in control of how you use the funds. It is secured by the equity in your home and is generally set up with a 10-year draw period followed by a 10-year repayment period. During the draw period you can use the funds as you need them and pay down on the loan as you wish (a minimum payment is required). After 10-years the loan converts to a term loan with monthly payments, at which time no additional draws are allowed.

Take the next step to owning the home of your dreams.