Tracy Hinton, Gershman Mortgage

Tracy Hinton, Gershman Mortgage Tracy Hinton is a Branch Manager operating under Gershman Mortgage in Nebraska, and licensed in the state of Nebraska. LO - NMLS-5172. Company NMLS-138063.

Equal Housing Lender. As a professional in the mortgage business, I pride myself on providing excellent customer service and exceeding expectations. With more than 21 years of mortgage experience, it’s my goal to provide you with a smooth and easy process from application to close along with answering any questions along the way. You can count on me to look out for your best interest and provide h

ome financing options that will best fit your needs and accomplish your financial goals. Whether you are buying your first home, researching options for your next home or refinancing your existing home, you can count on me for all of your home loan needs!

Three days before you close on a home, you get a document called the Closing Disclosure.Most people sign it, set it asid...
06/12/2026

Three days before you close on a home, you get a document called the Closing Disclosure.

Most people sign it, set it aside, and show up to the table.

Here's what I tell every single buyer I work with: read it!!

That document tells you exactly what you are paying, what your loan terms are, and how those numbers compare to what you were originally quoted. If something shifted and nobody told you, that's where you'll find it.

You have three days for a reason. Use them. And if something looks off, call your lender before you sign. We're here to help you, not leave you in the dark!

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

05/22/2026

Something I tell people all the time, and I've been saying it for nearly three decades now, is that every month you rent is a month someone else is building equity and it's not you. That's not meant to make you feel behind. It's just the truth, and I think you deserve to hear it plainly.

Spring is one of the most active times of year in the Lincoln real estate market, and right now there are loan programs, down payment assistance options, and closing cost resources that a lot of buyers don't even know exist. Part of my job is making sure you know what's available to you before you assume you can't afford it.

If buying a home has been on your mind this spring, let's sit down and talk through your options. You might be a lot closer than you've been told.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

I've been doing this for 30 years. And the one thing I want every first-time buyer in Lincoln to hear right now is this:...
05/15/2026

I've been doing this for 30 years. And the one thing I want every first-time buyer in Lincoln to hear right now is this: you have more control over this process than you think.

Yes, rates fluctuate. That part is out of your hands.

But your credit profile, your debt-to-income ratio, the down payment assistance programs you qualify for, the grants that are sitting right now waiting to be used, those are all things we can work on together.

I've helped buyers who thought they were years away from being ready walk into a home they love because we focused on the right things. The market is always going to do what it does. Your financial picture is where we start.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

You bought your first home and it made sense then. But that was a different season of life.Maybe you've got more kids no...
05/08/2026

You bought your first home and it made sense then. But that was a different season of life.

Maybe you've got more kids now. Maybe you're working from home and the walls feel like they're closing in. Maybe you've just built up enough equity that staying put actually costs you more than moving up.

I work with a lot of people in Springfield who don't realize how much buying power they've quietly accumulated over the last few years. What felt like a starter home has turned into one of the best financial moves they ever made, and now it's ready to work for them again.

If you've been thinking about it, let's run the numbers. You might be further along than you think.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

Every spring I talk to people who say the same thing. "I'm just going to wait and see what rates do." And I get it, I re...
05/01/2026

Every spring I talk to people who say the same thing. "I'm just going to wait and see what rates do."

And I get it, I really do. But what I've learned after almost 10 years of helping people buy homes in Lincoln is that the people who waited for the perfect rate, the perfect market, the perfect moment, are still waiting. Meanwhile, the people who focused on what they could actually control, their credit, their savings, their monthly budget, ended up buying a home and started building something real.

Rates move. They always have. But your life doesn't stop moving while you wait on them. If you're sitting in a rental right now wondering if this spring is finally your time, I'd love to just have a conversation. No pressure, no pitch. Just an honest look at where you stand and what's actually possible for you.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com
http://thinton.gershman.com/

Every spring I talk to people who say the same thing. "I'm just going to wait and see what rates do." And I get it, I re...
05/01/2026

Every spring I talk to people who say the same thing. "I'm just going to wait and see what rates do."

And I get it, I really do. But what I've learned after almost 10 years of helping people buy homes in Springfield is that the people who waited for the perfect rate, the perfect market, the perfect moment, are still waiting. Meanwhile, the people who focused on what they could actually control, their credit, their savings, their monthly budget, ended up buying a home and started building something real.

Rates move. They always have. But your life doesn't stop moving while you wait on them. If you're sitting in a rental right now wondering if this spring is finally your time, I'd love to just have a conversation. No pressure, no pitch. Just an honest look at where you stand and what's actually possible for you.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com
http://thinton.gershman.com/

If you've owned your home for a few years, there's a good chance you have equity built up.And a lot of people don't know...
04/10/2026

If you've owned your home for a few years, there's a good chance you have equity built up.And a lot of people don't know what to do with that, or that they can do anything with it at all.

Here's when it might make sense to tap into it:

-You have high-interest debt that's draining you every month
-You want to renovate but don't want to wipe out your savings
-You're helping a child get into their first home
-You're ready to invest in a second property

A cash-out refinance or a home equity loan lets you access that value without selling. It's your money. You've been building it the whole time you've been making payments.

Now, it's not the right call for every situation. That's why the conversation matters before the decision.

Nearly 30 years in, I've helped a lot of Nebraska homeowners figure out when using their equity made sense and when it didn't. If you're curious where you stand, that's exactly the kind of call I'm happy to have.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

Self-employed buyers ask me this all the time: "Tracy, can I even get a mortgage?!"The answer is yes! It just requires a...
04/03/2026

Self-employed buyers ask me this all the time: "Tracy, can I even get a mortgage?!"
The answer is yes! It just requires a little more documentation and someone who knows what they're looking at.

Here's what lenders are typically reviewing when your income is non-traditional:

-Two years of personal and business tax returns
-Year-to-date profit and loss statement
-Business bank statements in some cases
-Proof that your business is active and stable

The part that trips people up most is when their taxable income on paper looks lower than what they're actually earning, because they're writing off expenses. There are loan programs designed to account for that.

Nebraska has buyers in every kind of situation, and nearly 30 years in, I've seen most of them. If you've been putting off the home buying conversation because you don't think your income will qualify, let's find out for real before you assume it won't.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

One of the first things I do with a new client is pull up their estimated monthly payment and go through every single li...
03/27/2026

One of the first things I do with a new client is pull up their estimated monthly payment and go through every single line with them. Not because it's complicated, but because nobody ever explained it to them before, and I think they deserve to actually understand what they're paying and why.

Your mortgage payment is made up of more than just the loan itself. There's your principal, your interest, your property taxes, your homeowner's insurance, and in some cases, mortgage insurance. Each of those pieces has a reason it's there, and each one can shift depending on the loan program, the home, and how we structure things on the front end.

In almost three decades of doing this in Nebraska, the clients who feel the most confident going into closing are the ones who understood their payment from day one. Not the ones who crossed their fingers and hoped the number felt okay.

If nobody has ever walked you through this in a way that actually made sense, that's where we start!

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

I've been doing this for nearly 30 years. And the conversation I have more than any other is some version of this: "Trac...
03/20/2026

I've been doing this for nearly 30 years. And the conversation I have more than any other is some version of this: "Tracy, I don't think I'm ready yet."

Not ready because of the down payment. Not ready because of the credit score. Not ready because it just feels like too much right now.

I hear AND understand that. And almost every single time, when we actually sit down and go through it together, they were closer than they gave themselves credit for.

There are loan programs in Nebraska right now that people don't know exist. Down payment assistance, closing cost help, grants that don't have to be paid back. Some of my clients walked into their first home spending far less out of pocket than they ever thought possible :)

You don't have to have it all figured out before you call me. That's literally what I'm here for.

Tracy Hinton | Vice President
M: 402-440-3782 | W: thinton.gershman.com

Address

8250 Old Cheney Road Ste B
Lincoln, NE
68516

Opening Hours

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

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