Buying a home is one of the biggest financial decisions most people will ever make. If you are purchasing a home for the first time, a community bank can help. If you want to refinance, a trusted bank can assist you as well. That’s where Home Federal Bank comes in.

Home Federal Bank has been helping people in Nebraska finance their homes since 1935. With locations in Grand Island, Hastings, Holdrege, Lexington, Superior, and Lincoln, Home Federal Bank has a simple mission: Help families and individuals build, buy, or refinance their homes with confidence.

Why Choose a Local Bank for Your Home Loan?

You’ve probably seen ads for online lenders promising fast approvals and “instant” mortgage quotes. But when making one of life’s biggest purchases, having a local partner is essential. They understand your community, your market, and your goals.

Here’s why Nebraskans trust Home Federal Bank for their home loans:

1. Local Decision-Making – Loan officers live and work in your community. They understand local property values, taxes, and neighborhood trends.
2. Personal Relationships – You’re not just an account number. Home Federal’s team takes the time to get to know you and your goals.
3. Flexible Options –  If you need a conventional loan, an FHA loan, a VA loan, or refinancing, we have a Home Federal Bank loan for you.
4. Long-Term Support – You’ll always know where to go when questions arise. There’s a branch near you, not a call center across the country.

What Makes Home Federal Bank Different?

At its heart, Home Federal Bank is built on Midwestern values: honesty, community, and hard work. Since its founding, the bank has focused on helping local families build stability through homeownership and savings.

Here’s what makes Home Federal stand out among other banks and lenders:

• Rooted in Nebraska – With branches in Grand Island, Hastings, Holdrege, Lexington, Superior, and Lincoln, Home Federal is truly a community bank.
• Community Commitment – From sponsoring local events to volunteering with area nonprofits, the bank gives back to the places it serves.
• All-in-One Banking – Beyond mortgages, customers can manage their checking, savings, and business accounts all under one trusted name.

Understanding Your Home Federal Loan Options

If you’re new to the home-buying process, the number of loan types can feel overwhelming. But don’t worry, Home Federal Bank’s loan officers are here to walk you through every option.

Here are a few common types of Home Federal Bank Home loans:

• Conventional Home Loans – Great for buyers with solid credit who can make a moderate down payment.
• FHA Loans – Backed by the Federal Housing Administration, these are ideal for first-time buyers who need lower down payments.
• VA Loans – For eligible veterans, active-duty military members, and their families.
• Refinancing – If you already own a home, refinancing with Home Federal can help lower your monthly payment or shorten your loan term.

Each loan type comes with its own set of benefits, and your lender will help you find the one that fits your goals and budget.

How to Get Started on a Home Federal Loan

You don’t need to have everything figured out before you reach out. The team at Home Federal Bank can guide you step by step:

1. Meet with a Loan Officer – Stop by your nearest branch in Grand Island, Lincoln, Hastings, or any of Home Federal Bank’s other Nebraska locations.
2. Review Your Budget – Discuss your income, savings, and credit with a Loan Officer to determine what’s realistic.
3. Explore Loan Options – Compare rates, terms, and monthly payment estimates.
4. Apply and Get Pre-Approved – Having pre-approval helps you shop for homes confidently.  Applying is easy – apply in person or online at homefederalne.bank anytime.
5. Close with Confidence – Once your offer is accepted, Home Federal’s team will help you finalize the details smoothly.

FAQ: Home Loans at Home Federal Bank

Q: What documents do I need to apply for a Home Federal loan?
A: You’ll typically need proof of income (like W-2s or tax returns), recent bank statements, identification, and details about any existing debts.

Q: How long does the loan approval process take?
A: Every situation is different, but most Home Federal Bank mortgage approvals take a few weeks from application to closing, depending on the property and loan type.

Q: I’m not sure I can afford a down payment. What are my options?
A: Don’t worry — Home Federal offers FHA and other loan programs with low down payment options. A local lender can help you explore what fits your budget.  You can also use our convenient Financial Calculators at homefederalne.bank under Tools.

Q: Does Home Federal Bank only offer mortgages?
A: Not at all! While home loans are a cornerstone of what they do, the bank also offers checking, savings, business accounts, and investment services, a full banking experience.

Q: How do I find a Home Federal Bank near me?
A: Visit homefederalne.bank/visit-our-communities to find branch locations in Grand Island, Hastings, Holdrege, Lexington, Superior, and Lincoln, NE.

Why Nebraskans Choose Home Federal Bank

When you bank locally, your money stays local. Home Federal Bank reinvests in Nebraska communities through business loans, housing projects, and charitable partnerships.

That means every Home Federal loan helps strengthen neighborhoods, schools, and small businesses right here at home.

Whether you’re buying your first home, refinancing an existing mortgage, or saving for the future, Home Federal Bank is ready to help you every step of the way.

Ready to Begin?

Reach out to your nearest Home Federal Bank branch today. Your homeownership journey starts with a handshake, a conversation, and a trusted local lender who cares about your community as much as you do.