Stein Mach, Loan Officer, NMLS #917311

Stein Mach, Loan Officer, NMLS #917311 Making Homeownership Memorable and Enjoyable | Always Spreading Joy | Karaoke Enthusiast Here’s to achieving your dream home!

Providing you with a great mortgage loan experience is all about developing personal relationships and delivering outstanding customer service from application to closing. 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
FHA
VA
Loans for First Time Home Buyers
ARM (Adjustable Rate Mortgages)
Jumbo Loans
Construction 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 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!

Before finalizing the payment, ask for an insurance quote early.Look at:Annual premiumDeductibleRequired coverageRoof or...
08/19/2026

Before finalizing the payment, ask for an insurance quote early.

Look at:
Annual premium
Deductible
Required coverage
Roof or property condition concerns
Local risks such as [LOCAL INSURANCE CONCERN]
Whether the quote changes the total monthly payment

📞 402-323-1455
📧 [email protected]

08/17/2026

For a cleaner earnest money paper trail:

Pay from an account that can be documented
Keep the receipt or transfer confirmation
Save the canceled check when applicable
Tell the mortgage professional before using funds from another person

Third-party funds may require additional documentation, so ask before the deadline forces a rushed decision.

Save this before submitting your deposit.

📞 402-323-1455
📧 [email protected]

08/14/2026

The Venmo memo says “rent” and suddenly we are calling it income. 😅

Seeing money deposited into your account does not automatically make it qualifying mortgage income.

A lender may still need to verify:

Where the money comes from
Why you receive it
How consistently you receive it
Whether it meets the loan program’s guidelines

So no, adding 🏠 💵 to the memo line will not turn random transfers into a pay stub.

Send this to the friend whose Venmo history looks like a second job.

📞 402-323-1455
📧 [email protected]

Falling for the kitchen is easy. Falling for the payment deserves a second look.A home can feel perfect and still be wro...
08/12/2026

Falling for the kitchen is easy. Falling for the payment deserves a second look.

A home can feel perfect and still be wrong for the cash you need, the monthly cost, or the rest of your life.

The exciting part is finding the house. The useful part is knowing the numbers before emotion makes the decision for you.

Reach out if you want to build the payment plan before you tour.

📞 402-323-1455
📧 [email protected]

Freezing your credit can be a smart security step.It can also create a frustrating first-day delay when you are ready to...
08/10/2026

Freezing your credit can be a smart security step.

It can also create a frustrating first-day delay when you are ready to apply, and the required reports cannot be accessed. A quick check before the application can keep the process moving.

Ask the mortgage professional reviewing your application:

Which credit files need access
When the lift should begin
How long access is needed
When you can safely restore the freeze

📞 402-323-1455
📧 [email protected]

08/06/2026

Buying a home from family can feel simpler because everyone already knows each other.

The financing still needs a clear structure.

A below-market price may create a possible gift-of-equity conversation, but it does not automatically replace every down-payment or closing requirement.

Before a family sale is written up, coordinate the moving parts:

Expected appraised value
Agreed sales price
How any gift of equity will be documented
The loan program being used
Mortgage, tax, and legal guidance for the final structure

Send this to someone who needs to see this.

📞 402-323-1455
📧 [email protected]

08/03/2026

Buying your first home should come with a therapist and a glossary. 😭🏡

I can’t offer therapy… but I can make the process feel a whole lot less overwhelming.

📞 402-323-1455
📧 [email protected]

The lowest rate can still be the more expensive choice if the fees, points, timeline, or loan structure work against you...
08/03/2026

The lowest rate can still be the more expensive choice if the fees, points, timeline, or loan structure work against you.

The number worth comparing is not just the rate. It is what it costs to get that rate and how the full loan fits your plan.

📞 402-323-1455
📧 [email protected]

Buying a first home can feel overwhelming when you don’t know where to start.And for a lot of young buyers, the process ...
07/29/2026

Buying a first home can feel overwhelming when you don’t know where to start.

And for a lot of young buyers, the process feels far away until suddenly it’s not.

They start looking online.
They start wondering what they can afford.
They start asking if their credit is “good enough.”
They start realizing there is a lot more to buying a home than just finding one they like.

That’s where parents can make such a difference.

Not by having all the answers.
Not by pushing them before they’re ready.
But by helping them build the habits that make homeownership possible.

Strong credit.
Less debt.
Consistent savings.
The right mortgage guidance before they start guessing.

Sometimes the most helpful thing you can do is simply help them start the conversation early.

📞 402-323-1455
📧 [email protected]

If buying a home feels “years away,” don’t automatically assume you’re stuck.Sometimes you don’t need more time.You need...
07/28/2026

If buying a home feels “years away,” don’t automatically assume you’re stuck.

Sometimes you don’t need more time.

You need the right strategy.

Here are a few real moves that can help you get closer:

1. Lower your credit card balances
Keeping your balances under 30% of the limit can help your credit profile. Under 10% is even stronger if you can get there.

2. Ask for a credit limit increase
Do not use the extra credit. The goal is to lower your utilization, not create more debt.

3. Get added as an authorized user
If someone close to you has a long, clean credit history, being added to that account may help strengthen your credit profile.

4. Look into low down payment loans
You do not always need 20% down. Some buyers qualify for loan options with much less upfront.

5. Ask about down payment assistance
Depending on where you’re buying and what you qualify for, there may be programs that help with the down payment or closing costs.

6. Negotiate seller credits
Instead of draining your savings, you may be able to ask the seller to help cover part of your closing costs.

7. Buy the smart first home
Your first home does not have to be your forever home. Sometimes the smartest move is buying the home that helps you start building equity.

📞 402-323-1455
📧 [email protected]

Address

4243 Pioneer Woods Drive
Lincoln, NE
68506

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+14023231455

Website

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