Your Best Friend in The Mortgage Industry

Honest Answers, Stress-Free Closings.

Specializing in Lincoln Loans

The Capital City Mortgage Team is your premier mortgage broker team located in Lincoln and Omaha, Nebraska. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward, and fast for borrowers seeking a mortgage in the Lincoln, Omaha, and the whole state of Nebraska area.

Homebuyers

We will help you find the right financing solutions to meet your needs.

Today's Rates

We homeowners determine the right time to purchase or to refinance.

Refinance

We can help you lower your interest rate and lower your monthly payment.

Ask an Expert

If you have any mortgage related questions, we have the answers.

What are you waiting for?

Getting started is easy. We offer very competitive rates, have great service, and always close on time.

Local Loan Options

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

FHA Loans

Home Refinance Loans

VA Loans

Jumbo Home Loans

Conventional Loans

Home Purchase Loans

What our clients are saying

Chad

Want the best rate possible? Want someone that truly has your best interest at heart? Want someone that treats you like a human being and not just a number or paycheck?? Not only is Lynette a great person, she has built a great company!! Look no farther than Capitol City Mortgage for all your financing options!! They are beyond wonderful!! Once we found them, we wont even consider going or looking elsewhere!! You wont be disappointed!!

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Antoinette

Capital City Mortgage are one of the best broker shops in Nebraska. They always offer elite client service and are able to get loans to the closing table on time. I can truly attest that if you're in the Lincoln, NE area there's no better broker to go with for your loan!

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Karla

Capital city mortgage was very professional at getting things done in a timely manner. The staff is great to work with. I would recommend them to any persons looking for a mortgage company.

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Marcus

As a repeat customer, I have had all positive experiences. Lynette is always helpful and informative. She has always provided me options and is straightforward with what is best.

Recent Posts

Why should I use a mortgage broker near me?

What is a mortgage broker? A mortgage broker is an intermediary between the borrower and lender for the home loan. The broker works directly with the borrower to locate the best lender and loan product to satisfy their needs. While rate is an important part of the search process, many other variables go into matching…
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Why do I need PMI on my mortgage?

Private mortgage insurance (PMI) can be a frustrating extra cost for many borrowers. Most people have been conditioned to believe PMI is a negative feature of loans. This is not true. Mortgage insurance is one of the top reasons millions of Americans have been able to become homeowners and grow their wealth. Don't get me…
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How can I qualify for a mortgage with my student loan debt in Nebraska?

Student loan debt has exploded over the previous three decades. In 1995, the total federal student loan balance was $187 billion. In 2022, the total federal student loan balance was an estimated $1.617 trillion. Combining this with rising housing prices, both renting and buying, it is getting more challenging to afford a house in America.…
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How do I qualify for an FHA loan in Nebraska?

FHA loans offer many benefits for homeowners. Traditionally, an FHA loan will have more forgiving guidelines than conventional loans.  This allows borrowers with higher debt to income and lower credit scores to qualify.   Common FHA Misconceptions There are several Misconceptions about FHA loans that borrowers and even some real estate professionals have that may…
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2023 Mortgage Loan Limits

Why are there home loan limits? The Federal Housing Finance Agency (FHFA) oversees Fannie Mae and Freddie Mac. To conform to the guidelines allowed on Fannie and Freddie loans, the loans have a limit on the loan amount. Every year they evaluate the appreciation seen nationally and adjust their loan limits accordingly. Beginning in 2006,…
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2022 Year in Review and What is Next for Interest Rates and Real Estate

This year has been a year for the record books! The market shifted quickly after two years of record-low interest rates and rising home prices. As you can see from the chart below, the average 30-year rate started at 3.39% and briefly topped 7% in October and early November. Since then, the rates have come…
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Getting started is easy. We offer very competitive rates, have great service, and always close on time.

Licensing

Equal Housing Lender

Contact Us

Capital City Mortgage
237 S 70th St. Ste. 206
Lincoln, NE 68510

Number:
(402) 489-2099