Buying a house, whether it’s your first or your fourth, is an exciting milestone, and we’re here to help make the process as smooth as possible. Our experienced Mortgage Loan Officers will guide you through every step of the home loan journey at our credit union, offering financing options tailored to your needs.
We proudly provide a wide range of mortgage solutions, including Conventional, VA, and FHA loans, 10-year terms, 3% down payment programs, jumbo loans, investment property financing, cash-out refinancing, and more!
Learn About our Mortgage Options and Resources:
Why Choose A Cobalt Mortgage? | Financing Options | ARMs | Professionals Program
First-Time Homebuyer | Apply with Your ITIN | Mortgage Resources
Why Choose A Cobalt Mortgage?
Cobalt Credit Union has been serving our area communities for over 75 years. We are the largest locally-owned credit union in Nebraska with over 120,000 members. We continue to make strong business decisions, but never sacrifice our core values of Respect, Integrity, Service and Excellence. We are passionate about serving our communities and providing safe, quality mortgage solutions to home buyers in our local market.
Benefits you can expect from Cobalt Mortgage
- Competitive rates and fees
- Fixed terms available
- Expert mortgage loan officers who make the process efficient and hassle-free
- Custom mortgage solutions tailored to meet your financial needs and goals
- Fast and convenient online application and approval process
- Our strong and reliable branch network
1 Additional conditions and exclusions may apply. All programs, rates, and terms are subject to credit approval and may change without notice. Certain underwriting requirements and conditions must be met. Closing costs, buyer costs and escrow fees may apply. For full details, please contact Cobalt Credit Union at (800) 228-0392. Equal Housing Lender.
2 An applicant must have, or open prior to closing, a checking or savings account with Cobalt Credit Union. Applicants with an existing account with Cobalt prior to application, also satisfy this requirement. Eligible medical professionals include: (1) medical doctors who are actively practicing, (MD, DDS, DMD, OD, DPM, DO), (2) medical fellows and residents who are currently employed, in residency/fellowship, or (3) for salaried employees only: medical students and medical doctors who are about to begin their new employment/residency for fellowship within 90 days of closing. Those employed in research aor as a professor are not eligible. For qualified borrowers with excellent credit. PITIA (Principle, Interest, Taxes, Insurance, Assessments) reserves 4-6 months are required, depending on loan amount. Eligible professions include: medical resident, medical doctor, optometrist, chiropractor, dentist, dental surgeon, and pharmacist.
3 For full disclosures, visit our ITIN Lending page.
Whether it's home improvement, debt consolidation, or an unexpected expense - now is the perfect time to unlock your home's equity at a great low rate!
Mortgage Resources
Buying a home can be overwhelming. Here are some calculators and articles to help guide you on your journey to home ownership.
Loan Calculators
Understanding Home Loans
Frequently Asked Questions
“The Cobalt Mortgage team helped me understand the entire mortgage process by taking the time to explain everything that was going on and what it all meant to me. My mortgage loan officer helped me feel very comfortable with a big step in my life.”
- A. Smith, Papillion, NE
