Mortgage Loans
Home Loans Made Locally
CharterWest Bank Mortgage Center is the #1 purchase lender in Nebraska, helping people across the state and beyond achieve homeownership.
With locations throughout Nebraska and Iowa, our mortgage experts offer a wide range of loan options, including NIFA, USDA, FHA, VA, and more. We locally underwrite our loans and focus solely on home lending—so you get expert guidance, fast approvals, and personalized service every step of the way.
Because we’re local—and everything is handled close to home—our pre-qualification, approval, and closing times are among the fastest in the industry.
Mortgages Are Our Specialty
And we understand how important your needs are throughout the homebuying or refinancing process.
Your First Step to Homeownership
with a pre-qualification
Starting your home search? Our mortgage team will help you find the right loan to fit your budget—no pressure, no obligation. With a wide range of options and local experts to guide you, getting pre-qualified is simple and stress-free.
Mortgage Loan Options
Conventional Loan Programs
We offer both Fixed Rate and Adjustable Rate Mortgage Loans (ARM’s) with varying terms.
NIFA / IFA
This program is a fixed rate designed for first-time buyers and offers smaller or no down payment options. CharterWest Bank is one of the leading lenders in Nebraska of the NIFA program.
Refinancing
Many options and programs are available for most any borrowing need, including lowering costs and reducing the existing term of your mortgage.
Jumbo Loans
We offer non-conforming fixed and adjustable rate loans that are above agency guidelines with various terms.
Government Loan Programs
We offer FHA, VA, and USDA (RD) loans through each respective agency. CharterWest Bank is considered one of the leading lenders in Nebraska to offer these government programs that allow low and no down payments.
We have been the top lender of Nebraska’s USDA Rural Development loan program for four years running
Reverse Mortgages
A Reverse Mortgage is a loan that allows seniors over 62 to borrow money for almost any reason using the equity in their home and does not require monthly payments.
Construction Loans
We offer short term construction loans to help you build your dream home. We also offer extended lock options for your permanent financing to handle all of your needs.