If you’re looking to buy a home in Nebraska, we are so glad you’ve found Edge Mortgage Inc. Navigating the home-buying process can be challenging and stressful. Who you have in your corner as a mortgage broker makes all the difference. Your choice of mortgage broker could greatly impact your stress level during your buying experience and your monthly payment and interest rate.

While we strive to make it as quick and easy of a process as possible, we also think it’s helpful for you to be informed. Knowing the mortgage steps and what to expect is a huge part of helping you feel at ease. We are your top-rated Nebraska Mortgage Broker and we also serve all of Colorado, Wyoming, and Ohio. To help you along on your home-buying journey, we’ve put together our biggest tips. 

Top 10 Tips for Homebuyers

1. Understand Your Financing Options

Navigating your mortgage options can feel overwhelming, but it’s crucial to making informed decisions. Whether it’s a conventional loan, an FHA loan for first-time buyers, a VA loan for veterans, or a USDA loan for rural properties, understanding what each offers is key. We always recommend starting with a pre-approval; it not only clarifies your budget but also strengthens your position when making an offer.

2.  Budget Beyond the Mortgage Payment

Your monthly payment involves more than just repaying your loan. Property taxes, homeowners insurance, and maintenance can add up, affecting your overall budget. It’s important to factor these into your financial planning to avoid any surprises down the road. As your Nebraska Mortgage Broker, we are happy to help you lay out a plan to make sure you’re covered every month.

Aerial View of Downtown Lincoln, Nebraska at Twilight - Nebraska Mortgage Broker

Nebraska’s real estate landscape varies from urban areas like Omaha to rural communities across the state. Keeping a pulse on local market trends can help you understand where and when to buy, ensuring you get the most bang for your buck. As your Nebraska mortgage broker, we are on hand to provide insights into these trends.

4. Prioritize Your Needs and Wants

Dream homes come in all shapes and sizes. We suggest creating a list of non-negotiables (needs) and nice-to-haves (wants). This clarity can streamline your search process and help you focus on properties that truly meet your criteria.

5. Explore Down Payment Assistance Programs in Nebraska

Nebraska offers several programs to help buyers with down payments and closing costs. For instance, the Nebraska Investment Finance Authority (NIFA) offers assistance that could be pivotal in your purchase. We’re here to guide you through these options and find what best suits your situation.

6. Consider the Long-Term

Buying a home is not just about the present; it’s an investment in your future. Consider factors like the home’s potential for appreciation and its resale value. In Nebraska’s diverse market, some areas may offer better long-term growth than others.

7. Inspections and Appraisals are Key

Never underestimate the importance of a thorough home inspection and appraisal. These steps can unveil potential issues that could cost you dearly in the future because they’re essential for making an informed purchase.

8. Negotiation is an Art

Negotiating your home purchase can feel challenging, but remember, it’s about finding a win-win for both parties. With our experience and the help of your realtor, we can help you navigate these negotiations, ensuring you get the best deal possible.

9. Understand the Closing Process

Closing on your home involves a lot of paperwork and legalities. Familiarizing yourself with this process can help alleviate stress. From closing costs to timelines, We will walk you through every step, ensuring you know what to expect.

Wyoming Mortgage Broker, Nebraska Mortgage Broker

10. Build a Support Team

Having a team of experts by your side can make all the difference. A trusted real estate agent, and also a knowledgeable mortgage broker (like Edge Mortgage Inc.), are key to a seamless home-buying experience.

There you have it—our top tips for navigating the Nebraska real estate market. Each step of this journey is an opportunity to make choices that align with your home ownership goals. Remember, as your Nebraska Mortgage Broker, we are here to support you from pre-approval to closing.

Read some of our 5-star reviews from our happy clients

“Working with Edge Mortgage was such a great experience! Keri is incredibly helpful and was always thorough in answering our questions and concerns. She responds in a timely manner and really goes the extra mile to make sure everything is done correctly, which I greatly appreciated. Definitely recommended!” -Nashira

“Keri and Edge Mortgage made our dream a reality. She was very professional and knowledgeable about the entire process. Keri went out of her way to make sure we were always informed on where we were in the process and what was next. Great experience. Would highly recommend Keri and Edge Mortgage.” -Gary

“This was my first home loan and Keri was very easy to work with! she made the process of getting a mortgage a little less daunting, she made sure to keep my fiancé (now wife) and I informed without making it feel overwhelming. Any time we encountered something that looked like it might be a problem to me, Keri helped walk us through it and we were able to make it to closing day! I would definitely recommend Edge Mortgage, Inc. to anyone looking to purchase a home!” -Nathaneal

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Edge Mortgage Inc. is your trusted Nebraska Mortgage Broker

Edge Mortgage Inc. is located in Johnstown, Colorado, and serves all of Ohio, Colorado, Wyoming, and Nebraska. We offer the loan process made simple and top-notch customer service. We are your trusted Mortgage Lender and the top mortgage specialist in Ohio, and every state we serve! Call us today at 970-744-0000.

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