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Mutual of Omaha Reviews

8.5

bestfor-icon Good for people who are first time buyers

angelawatson
Written by Angela Mae

About Mutual of Omaha | Read More

9

LS Score

8

Credibility

9

Support

8

Accessibility

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Opening Hours Opening Hours drop-down-btn
Contact Information Contact Information drop-down-btn
  • customerservice@mutualmortgage.com
  • 1-800-24-RATES
  • 3131 Camino Del Rio N #1100 San Diego, CA 92108
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Mutual of Omaha Mortgages Review

Mutual of Omaha Mortgage offers a wide range of mortgage products and services to help individuals and families finance their homes. With a focus on personalized solutions and exceptional customer support, Mutual of Omaha Mortgage is committed to helping its customers find the right mortgage to meet their individual needs and goals. Whether you are a first-time homebuyer, looking to refinance your existing mortgage, or in need of a jumbo or government-insured loan, Mutual of Omaha Mortgage has the experience and expertise to help.

Mutual of Omaha Mortgages Highlight

500

Min Credit Score

4.9-6.25%

APR. Fixed Rate

Min $150K

Mortgage Amount

Up to 30 years

Repayment terms

Yes

Soft Credit Pull

Direct

Lender Type

Undisclosed

Underwriting Fee

Yes

Other Fees

Undisclosed

Origination Fee

Undisclosed

Prepayment Fee

1025895

NMLS

Pros & Cons

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  • con-icon 100+ years of experience
  • con-icon Wide range of payment term lengths
  • con-icon Streamlined application process
  • con-icon Access to up-to-date mortgage rates
  • con-icon Not available in West Virginia or New York
  • con-icon Physical locations in only 24 states

Mortgage Type

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  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Adjustable
  • Home Improvement
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • USDA
  • VA
  • Jumbo
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Mutual of Omaha Mortgages Terms & Requirements

Mutual of Omaha offers a variety of mortgage options to fit the needs of different homebuyers. Some of the types of mortgages they offer include FHA, USDA, VA, Jumbo, fixed-rate mortgages, adjustable-rate mortgages. The terms of these mortgages may vary, but they are generally more competitive than standard. To qualify for a mortgage with Mutual of Omaha, borrowers must meet certain requirements such as having a good credit score and sufficient income.

How to Apply

The process of applying for a mortgage with Mutual of Omaha Mortgage can be done online, in-person, by phone, or by email. To apply online, you can visit the Mutual of Omaha Mortgage website and complete an online application form. If you prefer to apply in person, you can visit a Mutual of Omaha Mortgage branch and speak with a loan officer. Alternatively, you can apply by phone or email by contacting a loan officer and providing the necessary information. Regardless of the method you choose, the loan officer will guide you through the application process and help you determine which mortgage option is right for you.

where are you in the process
Step 1

where are you in the process

Step 2

Where are you purchasing your property?

Step 3

What is the estimated value of your property?

What is your estimated credit score?
Step 4

What is your estimated credit score?

Personal details
Step 5

Personal details

Qualification Requirements

  • Sufficient income to make monthly mortgage payments
  • Employment and income verification
  • Down payment (usually a percentage of the total loan amount)
  • Debt-to-income ratio within acceptable limits
  • Closing costs and other fees associated with the loan

 

Note: Requirements may vary depending on the specific loan program. It is important to check with loan officers for specific requirements.

Required Information

To get started with the prequalification process for a mortgage with Mutual of Omaha Mortgage, you can contact a loan officer either online, by phone, or in person. The loan officer will ask you to provide information, which will be used to determine your eligibility for a mortgage and help the loan officer recommend the best loan option for your situation. The prequalification process is designed to be quick and easy, and the loan officer will be available to answer any questions you may have.

Required documents

  • Name, address, and phone number
  • Social security number
  • Proof of identity, such as a driver’s license or passport
  • Credit score
  • Proof of income, such as pay stubs or tax returns
  • Desired loan amount
  • Information about the property you wish to buy, such as the address and purchase price

Application Steps & Time Frames

The steps following the initial request for a mortgage with Mutual of Omaha Mortgage are as follows:

  1. The loan officer will review your information and assess your eligibility for a mortgage. This may take a couple days, depending on the complexity of your situation.
  2. If you are eligible, the loan officer may request any additional documents that may be required.
  3. If the loan is approved, the loan officer will work with you to finalize the terms of the loan and provide you with any additional information you need. This may take a few days or longer.
  4. Once the loan is finalized, you will be ready to close on the mortgage and begin making your monthly payments. This may take a few days.

Overall, the initial process of applying for a mortgage with Mutual of Omaha Mortgage may take several days to a few weeks, depending on the complexity of the loan and the availability of the parties involved. Once the loan is finalized, you can expect to receive funding within a couple days, depending on the specific terms of the loan.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Not Available - Colorado, New York, Texas

angelawatson
Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.

faq-icon

FAQ’s

What types of mortgage products does Mutual of Omaha Mortgage offer?

Mutual of Omaha Mortgage offers a wide range of mortgage products, including conventional, jumbo, and government-insured loans, as well as refinance options.

How can I contact Mutual of Omaha Mortgage's customer support team?

You can contact Mutual of Omaha Mortgage's customer support team by phone, live chat on their website, email, or by visiting their offices. Their contact information can be found on the company's website.

Does Mutual of Omaha Mortgage offer online application and account management?

Yes, Mutual of Omaha Mortgage offers online application and account management options to help customers easily apply for and manage their mortgage. These tools can be accessed through the company's website.

Customer Support

Mutual of Omaha Mortgage is committed to providing exceptional customer support to help its customers find the right mortgage solution for their needs. The company offers a dedicated team of customer service representatives who are available to assist customers with any questions or concerns they may have throughout the mortgage process.

Privacy & Security

Mutual of Omaha has a very good track with keeping its customers happy. It has been in operation for more than a century, meaning that it really has stood the test of time. Any documents or information that you share with Mutual of Omaha will be carefully handled and protected.

Mutual of Omaha has extensive security measures in place, as well as having an A+ rating with the Better Business Bureau. It holds licenses with all of the relevant authorities in every state in which it operates.

In Conclusion

In conclusion, Mutual of Omaha Mortgage is a leading provider of home financing solutions. The company offers a wide range of mortgage products and services to meet the diverse needs of its customers. Mutual of Omaha Mortgage’s main selling point is its focus on providing personalized solutions and support to help customers find the right mortgage to meet their needs. The company differentiates itself from the competition through its focus on customer satisfaction and its commitment to offering a wide range of products and services.

Brand Disclaimer

Mutual of Omaha Mortgage Inc. (“Mutual of Omaha Mortgage”) respects the privacy of visitors of mutualreverse.com and all sites and mobile applications, if any, linking to this On-Line Privacy Policy (“Policy”) (collectively “sites”). This Policy applies to these sites and explains how Mutual of Omaha Mortgage may collect, use and share information about you from our sites. We encourage you to read our Policy before using the sites. By visiting our sites, you are agreeing in advance to the current and future terms of this Policy, and we have the right to use your information as described in this Policy. If you do not wish to agree to these terms, you should leave the site.

In addition to this Policy, Mutual of Omaha Mortgage’s written Consumer Privacy Notice (Consumer Privacy Notice) further describes how we collect, use, and share personal information (defined below) shared with us, such as when you apply for or purchase our products and services becoming our customer.