Welcome to Your Home Buying Journey

Buying your first home is an exciting milestone, and at Rockbrook Mortgage Inc., we understand the unique challenges first-time buyers face, especially in today’s market. As your local Omaha metro-area mortgage experts, we’re dedicated to educating and guiding you through the home buying process. 

With a personalized approach and in-depth knowledge of the best loan programs available, we make your journey to home ownership smooth and successful..

• Local Expertise: We know the Omaha market, can provide insights specific to your area and can refer you to a great realtor.
• Personalized Service: We take the time to educate and coach you through every step of the process.
• Tailored Loan Options: We offer a range of loan programs designed to meet the needs of first-time buyers, ensuring you get the best terms possible.
• Helping to ensure understanding of the loan terms and process of buying a home.

• Pre-Approval: This is your first step. We’ll help you determine how much you can afford and get pre-approved for a mortgage, making you a more attractive buyer.  We’ll verify the most important elements to set you up for success from the start.
• House Hunting: Start your search for the perfect home. We can connect you with trusted local real estate agents if you’re not already working with one.
• Making an Offer: Once you find the right home, you’ll make an offer. Your realtor will guide you on how to make a competitive offer.
• Loan Application & Underwriting: Finalize your mortgage application with our help, ensuring all your paperwork is in order and working with the lender behind the scenes to complete your loan.
• Appraisal: We’ll arrange for an appraisal to ensure the property is worth the price being offered typically appraisers examine the subject property and compare it to similar ones that have sold nearby.
• Inspections: There are inspections that you and your realtor will work through for things like pests or full home inspections to identify any potential issues with the property.
• Closing: Finally, you’ll sign the necessary documents, pay closing costs, and get the keys to your new home!

Income qualifications apply, these programs are available for moderate income earners making 80% or less of the Area Median Income. Private Mortgage Insurance (PMI) will apply for down payments under 20%.

ONE+ by Rocket Mortgage, 1% Down Payment: Only a 1% down payment required, with a 2% grant back to you from the lender.  Maximum loan amount of $350,000, other restrictions apply.

HomeReady by Fannie Mae & Home Possible by Freddie Mac: These programs offer favorable rates and require just 3% down payment.

With only a 3.5% down payment requirement, FHA loans are a great option for those looking to minimize their upfront costs with competitive rates and wider credit considerations. With FHA loans a Mortgage Insurance Premium (MIP) will apply.

For veterans and surviving spouses of fallen service members, VA loans offer the benefit of no required down payment. A funding fee applies unless waived by the VA for a qualifying disability rating. VA Loans do not require mortgage insurance which can be a significant monthly savings.

Competitive rates and terms. These Require as little as 3% down payment for first time home buyers. Private Mortgage Insurance (PMI) will apply for down payments under 20%.

Each program and product has unique credit, income, loan-to-value, debt-to-income, property type and other requirements.  Talk to with your mortgage professional to see which might best fit your needs.