If you've found the one and have signed a purchase agreement, apply for financing by clicking “I have an agreement.” If you’re still shopping, contact me to get prequalified or check rates.
I’ll set realistic expectations at the beginning of the loan process and strive to exceed those expectations.
UBT has a wide range of products, programs, and services available — we’ll evaluate them and select the right ones to meet your unique needs and get you into a home you love.
- Conventional loans
- Loans for first-time home buyers
- ARM (adjustable rate mortgages)
- Jumbo loans
- Construction loans
- Rural development (RD) loans
With experience, competitive rates, and a great team here to assist you, my goal is to make sure you are confident and comfortable throughout the mortgage process. I enjoy educating my customers — you’ll be able to make informed decisions, making the journey of home ownership as smooth and rewarding as possible. Union Bank is here to help simplify the mortgage process with an outstanding team of loan officers, underwriters, processors, and closers. Buying a home is an exciting step in life and one that should be enjoyed! Here’s to achieving your dream home!
Realtors and sellers will be more willing to negotiate when they know you have your financing ready to go. I’ll help you make an offer on your next home with confidence. Let’s get started!
Access to the right people and products
Whether you’re building, buying, or refinancing your home, I will assist you with your financing needs. Buying a home is one of the biggest investments you will make in your lifetime, and my goal is to give you the knowledge you need to help you make the right decisions when it comes to financing. I am there to assist you before, during, and after the loan closing to make the entire process enjoyable.
Variety of loan programs
Conventional and government loan programs with fixed and adjustable interest rates are available to give you many options to choose from. Call or email me today with any questions or to schedule an appointment. You can also apply online today!
Dedicated to service
In conjunction with Union Bank’s commitment to superior service, my team and I stand behind the promise of free prequalifications, responsive communication, and competitive rates in a variety of loan programs. I’ll make buying a home fun and enjoyable!
What Stein’s customers are saying
“We had an outstanding experience working with Stein to refinance our home. She is very easy to work with and would get back to us with questions we had in a timely manner. I felt like she was an advocate for our family and sincerely cared about what was best for us. One of the best experiences I’ve had with a professional! Thank you, Stein!”Kristin, Lincoln, NE | April 2019
“Will work with Stein every time!”
“Stein was so wonderful to work with during the process of buying our first home. We ended up purchasing the home for sale by owner from someone we know and therefore didn’t have a realtor we were working with. This made us a bit nervous at first, but Stein was so awesome in helping this process go smoothly for us. She was extremely quick to respond to email, and even when out of the office, she provided her number or a colleague’s number so we always had all our questions answered. Stein was great at explaining all the paperwork in layman’s terms. We really enjoyed working with her, and with Union Bank, and will most definitely work with her and Union Bank in the future.”Haley F., Lincoln, NE | April 2019
“Stein was great, friendly, and professional. She helped us through a smooth home purchase, and she was attentive to our needs. She helped us to figure out what would work best for us. I will use her again should we purchase another home in the future.”Chelsea, Fairbury, NE | February 2019
“Stein is fantastic!! I started by getting preapproved with her and she helped explain just about everything for me. From debt-to-income ratio and first-time home buyer options, there wasn’t something she didn’t know. During the process, I would have guessed I was her only client by her quick responses. She followed up with me every step of the way, even if it was just to tell me we were waiting. Stein is very knowledgeable and versed in the mortgage world and went the extra mile to know the specifics of my situation. She helped me get a first-time buyers home loan with a small down payment so I could invest in changing my new home to my liking. Stein is the picture-perfect idea of a mortgage lender: friendly, knowledgeable, and professional. Stein knows her stuff and is a great choice for a local lender. She truly made my first-time home-buying experience a happy and memorable one!”Skyler S., Lincoln, NE | February 2019
“I’d give 10 stars if I could.”
“My experience with Stein and her team was seamless. During a very stressful time of house-hunting, packing, and moving, my mortgage loan was the least stressful part by far! Stein has commendable knowledge of the mortgage industry, the local real estate market, and puts her customers’ interests first and foremost, above all else! I would recommend her to anyone! Thank you Stein and team for an awesome experience.”SJK, Omaha, NE | December 2020
“Stein was amazing, from the first meeting to our close date and beyond. She knows her job and she knows her bank’s products and what worked best for us in our situation. I have already referred her to multiple friends of ours. It is hard to find someone who you trust and have confidence in when purchasing a home. Stein Mach checked both of those boxes for us. I would recommend her to anyone.”Megan R., Unadilla, NE | February 2021
“Simply the best!”
“Stein Mach went above and beyond throughout the entire process to make sure the home was closed on successfully. She provided counsel on any question I could think of, and even when unexpected issues came up, she was there to work through them with me and the title company. I have met very few business professionals in my life that are as passionate and good at their job as Stein.”Daniel C., Ashland, NE | June 2021
“We were fortunate to work with Stein in the process of purchasing our first home. She was always available when we had questions or needed figures on a specific property. She made the process easy and ensured that we were submitting paperwork on time to meet our closing date. She made the mortgage process enjoyable and was personable. We would highly recommend her to anyone!”Jennifer A., Lincoln, NE | July 2021
“Best in the industry!”
“This is the second time that we have worked with Stein and the second experience was just as amazing as the first! She is always so clear with us and patiently explains all of the numbers and what they mean to two people who are not numbers-minded. Thank you Stein for making everything so easy!”Abby W., Lincoln, NE | October 2021
“Stein offers unparalleled service! She worked alongside us every step of the way, from prequalification letters to mortgage estimates to an easy-to-understand closing. She’s the absolute best there is!”User, Roca, NE | December 2021
“Easiest home-buying process ever.”
“We had the smoothest, most informed, and friendly home-buying process with Stein at UBT. Stein and her team explained every part of the process, were communicative, friendly, and took all of the stress off of buying a home! We so appreciated Stein and the process, and if in the future we need to buy and sell again, we will be calling her!”Jordyn, Lincoln, NE | December 2021
**Offer subject to credit approval. Valid on first lien closed-end secondary market owner-occupied dwelling-secured purchase or refinance with a term of 10 years or more. Cannot be combined with any other offer. Offer valid on applications received from 09/01/2023 to 12/29/2023. Loan must close on or before 01/31/2024.