Omaha Home Loans

A home lending partner you can trust

Building or buying a new home should be exciting, yet easy — a big deal, but not a big hassle. That’s why UBT offers a comprehensive suite of loan products to finance lot purchases, home construction, and more.

Find a Loan Officer

Get help from a friendly home loan expert

Local decision makers. Responsive service. Home loans made easy. Our Loan Officers — like Mike! — have the experience and market knowledge to expertly guide you through building, buying, or refinancing a home.

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Frequently Asked Questions

What do I do if I have questions about the escrow analysis I just received?

For specific questions related to your property escrow analysis, it’s best if you contact one of our Lincoln Nebraska based servicing specialists toll free at 833-560-1116. They will review your individual situation, talk through changes in your escrow, and assist with questions you have about your options.

Which types of mortgages are eligible for refinancing?
  • Conventional Loans, including Fixed Rate and Jumbo Loans
  • VA Loans, administered by the Department of Veteran Affairs
  • FHA Loans, through the Federal Housing Administration
Should I refinance my home?

Although each situation is different, there are several reasons to refinance including:

  • To lower your monthly principal and interest payments.
  • To move to a secure, fixed rate loan.
  • To take cash out of the equity in your home.

For more information on refinancing your home, call 402-323-1128 in Lincoln, or toll-free 1-800-297-2837.

What are closing costs?

Closing costs cover all the fees and expenses associated with a loan transaction. Closing costs may include fees for an appraisal, credit report, title insurance, survey, and points. Closing costs vary depending upon the loan product.

What is an appraisal?

An appraisal is a report made by a qualified person, who sets forth an opinion or estimate of property value. Among other considerations of value, the appraisal uses recent local real estate sales activity as a major basis for valuation. 

What is title insurance and why do I need it?

Title insurance protects against problems with the title to your property, such as someone with a legal claim against the home.  Learn more about Lenders and Owners title policies. 

Need More Help?

Contact an expert near you

Loan products subject to credit approval.