Capital City Mortgage

07/14/2026

The lowest mortgage rate is not always the best deal.

A lower rate may come with higher upfront costs. A slightly higher rate may come with a lender credit that lowers the money needed at closing.

The right choice depends on the full picture. That includes the monthly payment, closing costs, mortgage insurance, break-even point, and how long you expect to keep the loan.

Read the full article here: https://nebraskamortgageloans.com/why-lowest-mortgage-rate-is-not-always-best/

07/10/2026

Fixed rate doesn't mean fixed payment.

Your principal and interest stay the same, but property taxes, insurance, and escrow shortages can push your total monthly payment up.

I broke down why this happens and what to check when your payment changes: https://nebraskamortgageloans.com/why-did-my-mortgage-payment-go-up-if-i-have-a-fixed-rate/

07/08/2026

A seller credit can help lower the cash a buyer needs at closing. But there are limits, and asking for the biggest credit possible isn't always the smartest move.

The right amount depends on your loan program, your expected closing costs, and how you want to structure the loan.

I put together a guide that breaks down how seller credits work, what they can be used for, and when they might be a better move than just lowering the price.

Read the full article here:

Learn how seller credits work, what they can pay for, program limits, and when a seller contribution may help reduce cash needed at closing.

07/06/2026

🏡 How much should you put down on a house?

For years, 20% down has been treated as the gold standard. But the biggest down payment is not always the best financial strategy.

The right amount depends on your monthly payment, available savings, mortgage insurance, future expenses, and overall financial goals. In some cases, keeping more cash available after closing may be the smarter move.

Learn how to compare your options before deciding:

https://nebraskamortgageloans.com/how-much-should-you-put-down-on-a-house/

05/28/2026

Thinking about buying a home in Nebraska? One of the first steps is getting pre-approved.

Mortgage pre-approval can often be completed the same day, but some buyers may need 24 to 48 hours, depending on income, credit, assets, and how quickly they provide documents.

I put together a quick guide explaining how long mortgage pre-approval takes, what can slow it down, and how buyers in Lincoln, Omaha, and across Nebraska can prepare before shopping for homes.

Read the full post here: https://nebraskamortgageloans.com/how-long-does-mortgage-pre-approval-take/

03/02/2026

Mortgage refinance rates change daily, and even small movements can impact your payment and long term savings.

If you’re a homeowner in Lincoln, Omaha, or anywhere in Nebraska, our latest blog explains what today’s refinance rates mean and how to decide if refinancing makes sense for you.

Read it here:
https://nebraskamortgageloans.com/mortgage-refinance-rates-today-in-nebraska-and-what-they-mean-for-you/

If you would like a personalized refinance review, reach out anytime.

01/19/2026

Wondering what 2026 will mean for mortgage rates?

Nobody knows for certain.

But here's what I tell clients who ask me if they should wait:

It's nearly impossible to time the market perfectly.

What you can do is look at your situation right now. Can you afford the payment? Does the house work for your life? Are you ready to stop paying rent?

If yes to all three, then you may be ready.

I've seen people wait for "better rates" and watch home prices or interest rates jump. The payment ended up higher anyway.

Rates matter. But they're not the only thing that matters.

Read the full breakdown here: https://nebraskamortgageloans.com/2026-mortgage-rate-predictions/?utm_source=facebook&utm_medium=Zoho+Social

01/01/2026

The holiday season seems to come and go faster and faster each passing year — all the more reason to live this season to its fullest. Happy New Year!

12/30/2025

Tired of paying too much each month? I may be able to help you refinance into a lower rate! Give me a call!

12/28/2025

If your apartment is too small for all of the holiday spirit you have to offer, it might be the perfect time to buy. Call me today to get started, and you may be in your own wonderland before the season is through!