Nebraska VA Home Loan, VA Mortgage, Rates

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Attention Veterans! Don’t pay more for your VA loan. As your local VA lender in Nebraska, we offer significantly lower rates than the big national lenders. Experience personalized service and great savings!

Kandi Slocum
Kandi Slocum
I worked for a local business for 5 years and in January bought it from the owners. Even though I was still paying myself in the form of a W2 it was hard to find a lender willing to use my income which made finding what we needed near impossible..Capital City went above and beyond. They got us a great rate, kept in communication with us, made submitting documents easy even though we are a little over an hour away. There was even an issue where we need a quick late night decision and despite it being after 7 on a Friday they figured it out for us. I dont forsee moving again buy if we did we would use them again!
Christopher Slocum
Christopher Slocum
Great company made the home buying process easy
Chad Gerk
Chad Gerk
Want the best rate possible? Want someone that truly has your best interest at heart? Want someone that treats you like a human being and not just a number or paycheck?? Not only is Lynette a great person, she has built a great company!! Look no farther than Capitol City Mortgage for all your financing options!! They are beyond wonderful!! Once we found them, we wont even consider going or looking elsewhere!! You wont be disappointed!!
Benji Martens
Benji Martens
Great communication, quick and very professional!
Marcus Schmidt
Marcus Schmidt
As a repeat customer I have had all positive experiences. Lynette is always helpful and informative. She has always provided me options and is straight forward with what is best.
Antoinette Martin
Antoinette Martin
Capital City Mortgage are one of the best broker shops in Nebraska. They always offer elite client service and are able to get loans to the closing table on time. I can truly attest that if your in the Lincoln, NE area there's no better broker to go with for your loan!
Karla Valdez
Karla Valdez
Capital city mortgage was very professional at getting things done in a timely manner. The staff is great to work with. I would recommend them to any persons looking for a mortgage company .

Call us locally at
402-489-2099
or

 

Great Rates

Because we partner with multiple lenders, we’re able to compare interest rates which allows us to offer our Veteran clients some of the lowest rates in the industry. Compare and find out!

Local Service

We’re committed to serving our local community with convenient offices in Lincoln and Omaha, NE. Our team’s presence in these cities ensures personalized  assistance for our clients.

Low Fees

We believe in transparency and affordability, which is why we charge no processing, underwriting, or origination fees. Our commitment to keeping costs low means more savings for the veterans we serve.

Streamlined Process

Our efficient mortgage approach simplifies the journey to homeownership. With our intuitive online application and straightforward process, obtaining home loan approval is efficient and hassle-free.

Explore Your VA Purchase Options by Clicking Here

If you’re a veteran or eligible service member looking to purchase a home in Nebraska, Capital City Mortgage’s VA Purchase Loan is tailored for you. Designed to support veterans in homeownership, this program boasts several benefits and flexible terms. Here are some key advantages of our VA Purchase Loans:

1. No Down Payment: Among the top benefits of the VA home loan is no down payment requirement. This enables you to finance the entire purchase price, keeping more funds in your pocket. 

2. Competitive Interest Rates: Unlike traditional banks, we have the ability to shop multiple lenders. Obtaining a VA loan with Capital City Mortgage can significantly benefit your long-term goals and lower your monthly mortgage payments.

3. No Private Mortgage Insurance (PMI): Unlike conventional and FHA loans, VA Purchase Loans eliminate the need for PMI. This results in lower monthly mortgage payments and substantial savings over time.

4. Simple Qualification: VA mortgages feature more relaxed income and credit requirements than other programs. This widens the accessibility of homeownership to veterans who may have encountered financial challenges in the past or are in the initial stages of establishing their credit history.

5. Flexible Repayment Options: VA loans offer a variety of repayment options, including fixed-rate and adjustable-rate mortgages, allowing you to choose the one that aligns best with your long-term goals and current financial situation.

6. Renewable VA Home Loan Entitlement: Veterans have the ability to utilize their VA mortgage entitlement multiple times, offering flexibility and affordability in the pursuit of homeownership. This renewable entitlement ensures veterans can secure favorable loan terms and housing options at all stages of life.

Discover Your VA Refinance Opportunities by Clicking Here

Tap into the full potential of your homeownership and elevate your financial standing with our hassle-free VA Refinance. Discover the numerous benefits awaiting when you choose Capital City Mortgage for your VA refinance needs:

1. VA Cash-Out Refinance: Harness the power of your home’s equity with a VA Cash-Out Refinance. Convert equity into cash for various purposes, such as weddings, college, dream vacations, or home improvements. Choosing this option helps you avoid high-interest credit cards and personal loans, while also securing funds at a lower interest rate. 

2. VA Streamline Refinance: With the Interest Rate Reduction Refinance Loan (IRRRL), you may be able to refinance your current VA loan and receive a lower interest rate and a smaller monthly mortgage payment. For veterans looking to take advantage of lower rates or move from an adjustable-rate mortgage to a fixed-rate mortgage, it’s an easy and economical choice.

3. Debt Consolidation: Take control of your financial future with a VA Debt Consolidation Loan. By merging your higher-interest debt into a lower-interest mortgage, you’re not only simplifying your finances but also unlocking opportunities. Picture the possibilities with extra money each month: invest in your future, achieve financial milestones, or relish the peace of mind that accompanies reduced financial stress. Don’t let high-interest debt hinder your progress. Seize control of your finances with a cash-out VA Loan and begin reaping the rewards today.

4. Flexible Terms: Our VA Refinance Loans provide a range of options to meet your specific financial needs. Whether you prefer transitioning from an adjustable-rate mortgage to a fixed-rate one, extending your loan term for more manageable monthly payments, or reducing your term for a faster payoff, we offer solutions tailored to your goals.

About Us

Lynette Staley

Lynette Staley

Owner/Loan Originator

NMLS: 4877

Having grown up in Lincoln, Nebraska, I found my calling right at home. In 2003, I laid the foundation for Capital City Mortgage, driven by a desire to offer something truly distinct in a competitive industry. Our mission was clear: to stand out by embodying the core values of our motto, “Great Rates – Superior Service.”

Throughout this incredible journey, I’ve had the privilege of connecting with remarkable individuals. Today, our business thrives primarily on referrals, proudly serving multiple generations within the same families.

During my downtime, I love traveling with my spouse, soaking up quality time with friends and family, and tending to my green thumb in the garden. I’m all about the great outdoors, whether it’s casting a line while fishing, hitting the trails for a hike or cruising around on my bike. When I’m not communing with nature, you’ll find me diving headfirst into Lincoln’s vibrant local scene. From catching epic concerts at Pinnacle Bank Arena to sampling the city’s eclectic culinary delights, I’m all about experiencing everything this city has to offer. 

Adam Stirba

Adam Stirba

Partner/Loan Originator

NMLS: 214569

In 2007, I became part of Capital City Mortgage, bringing extensive expertise to the mortgage industry. What drives my commitment to this profession is the opportunity to empower clients to shape their financial futures. I thrive on the challenge of finding the best mortgage solutions, guiding informed decisions, and helping clients build wealth through real estate. Capital City Mortgage’s wide range of loan options and consistently competitive rates align perfectly with my goals.

During my free time, I love spending quality moments with my family, celebrating my children’s accomplishments in school and extracurricular activities, and enjoying time with my wife whenever our busy schedules allow. I find relaxation in activities like hunting, fishing, and golf, as well as unwinding with a good book or engaging in science experiments with my kids. My dedication to learning, especially in the mortgage and real estate industry, remains a constant passion.

Capital City Mortgage –

Lincoln Office NMLS # 3320

402-489-2099

Capital City Mortgage –

Omaha Office NMLS Branch # 2392854

402-489-2099

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