Option Mortgage

10/02/2026

After the amount of rain Omaha has received recently, I’ve had a lot of homeowners asking what happens if water gets into their basement. The answer isn’t always as simple as ‘I have homeowners insurance.’ So I’m sitting down with Holton Harman with Old Mill Insurance Group to talk about what’s actually covered, what isn’t, and what homeowners can do before the next major storm.

10/02/2026

🏠 Your credit score might not be your only credit score.

Most mortgage lenders have traditionally relied on Classic FICO scores. But mortgage lending is changing, and VantageScore 4.0 is now an approved option for eligible Fannie Mae and Freddie Mac loans.

Here’s why that matters:

FICO and VantageScore do not evaluate every part of your credit profile exactly the same way.

✅ Credit card balances and utilization can be weighted differently
✅ Older and newer tradelines may impact the models differently
✅ Payment history and credit patterns can be evaluated differently
✅ VantageScore 4.0 also considers trended credit data, meaning it can look at how certain balances have changed over time

So a borrower who has a 680 FICO score could potentially have a meaningfully different VantageScore, and depending on the loan program and lender, that difference could affect mortgage pricing and potentially the interest rate available.

The catch?

Not every mortgage lender currently offers VantageScore.

Having access to more lenders and more credit-scoring options gives us another tool to find the best available financing structure for a borrower.

Sometimes shopping for a mortgage isn’t just about shopping the interest rate.

It’s about knowing which lender and which credit model fits the borrower best.

09/26/2026

09/16/2026

🏡 More Ways to Say YES: Mortgage Lunch & Learn

📅 September 17
⏰ 11:30 AM–1:00 PM

Real estate pros, this one’s for you! Join us for a Lunch & Learn covering mortgage options that can help you better serve more buyers, including:

• Conventional, FHA, VA & USDA loans
• Bank Statement & DSCR options
• Reverse Mortgage strategies
• A real-life Reverse Mortgage purchase example
• Bloom homes + model tours
• Live Q&A

Plus, appetizers! 🙌

Whether you work with first-time buyers, investors, self-employed clients or clients looking to make a move later in life, you’ll walk away with practical information you can actually use.

RSVP by September 14. Space is limited!
https://www.eventbrite.com/e/more-ways-to-say-yes-mortgage-lunch-learn-tickets-1999543711066?aff=oddtdtcreator

05/07/2026

www.NebraskaHELOC.com for FAST funding! Pay off high interest credit cards or plan for home improvements!