Home Mortgage Loans

Whether you’re looking to buy, build, or refi, go local for all your home needs. Because we aren’t just lenders — we’re neighbors.

Key Features

  • Competitive Rates
  • Local Processing
  • Variety of Programs
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  • Competitive rates for home purchase, refinance, home equity, or construction 
  • Quick, local decision-making and processing 
  • Attentive, friendly service from start to finish 

Finding a home that fits your family’s needs sometimes seems like a far away dream. As a family-owned independent community bank, we strive to meet the individual needs of every customer with prompt and professional service.

Conventional Mortgage

  • Variety of loan terms
  • Option to be serviced by TCB
  • Long-term fixed rates or in-house adjustable rate options available

NIFA – Nebraska Investment Finance Authority

  • Fixed rate mortgage product for first-time homebuyers
  • Affordable interest rate

USDA Rural Development Loan

  • Guaranteed loan program
  • Allows homebuyer to borrow up to 100% of appraised value or purchase price
  • No minimum down payment requirement
  • Available for primary residence or secondary home construction or home improvement 
  • Temporary financing to be refinanced into a permanent mortgage when project is completed 
  • Draw funds as invoices are presented  
  • Experience a streamlined application process 
  • Convert the equity in your home into cash you can use for a variety of needs
    • Home remodel projects
    • Debt consolidation
    • Education expenses
    • Major life events
    • And much more
  • A variety of repayment terms that work uniquely for you
  • The interest paid might be tax deductible1

Nebraska Energy Loan

  • Program offered through the Nebraska Department of Environment & Energy
  • Loan funds available for energy saving improvements such as windows, siding, appliances and more
  • Revolving line of credit 
  • Low closing costs 
  • Advances made to your account for all types of expenses 
  • Turn the equity in your home into ongoing, affordable financing
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • The interest paid might be tax deductible1
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Default amounts are hypothetical and may not apply to your individual situation. This calculator provides approximations for informational purposes only. Actual results will be provided by your lender and will likely vary depending on your eligibility and current market rates.