$1,000 off closing costs for any
Mutual of Omaha Customer

Mutual of Omaha Mortgage is proud to offer all Mutual of Omaha customers reduced closing costs, access to discounted mortgage rates and more! Get started with your new home purchase or refinance today.

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How It Works

For being part of the Mutual of Omaha family, Mutual of Omaha Mortgage can offer you a discount on your mortgage. What does this mean to you? You can take advantage of $1,000 off closing costs and special discounted rates*. This applies if you’re purchasing a new home or refinancing your existing home loan. Our team of dedicated loan officers are ready to answer any questions about our employee mortgage benefit program and help you explore the right mortgage solution for you!

  • Discount off lender fees
  • Exclusive rate access - Rates are traditionally .25 basis points below market
  • Purchase, Refinance and Cash Out loans
  • Loan options to pick from include: VA, FHA, Non-Conforming, Conventional, Jumbo, HARP and USDA loans
  • Dedicated, experienced loan officers to guide you
  • 97% Client Satisfaction Rating
  • A+ rating with Better Business Bureau

*Offer applies to loans that close with Mutual of Omaha Mortgage. Only one offer per loan transaction is available, and savings cannot be combined with any other offer. Savings will reflect on Closing Disclosure at closing.

Exclusive Rates

Conforming Fixed 30 Year Conforming Fixed 15 Year FHA 30 Yr Fixed VA 30 Yr Fixed
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.250% 0.775 6.420% $0 $2,662 $924
6.375% 0.264 6.497% $0 $1,896 $936
6.490% 0.000 6.587% $279 $1,221 $947
6.500% 0.000 6.597% $332 $1,168 $948
6.625% 0.000 6.723% $1,012 $488 $960
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
5.750% 0.369 5.964% $0 $2,054 $1,246
5.875% 0.081 6.045% $0 $1,622 $1,256
5.990% 0.000 6.147% $315 $1,185 $1,265
6.000% 0.000 6.157% $345 $1,155 $1,266
6.125% 0.000 6.283% $782 $718 $1,276
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
5.625% 1.014 6.332% $0 $3,048 $879
5.750% 0.441 6.403% $0 $2,173 $891
5.875% 0.000 6.486% $40 $1,460 $903
6.000% 0.000 6.614% $723 $777 $915
6.125% 0.000 6.742% $1,380 $120 $927
Rate Points APR Closing Cost Credit Cost For Rate Principal & Interest*
6.000% 0.677 6.265% $0 $1,037 $919
6.125% 0.269 6.352% $0 $412 $931
6.250% 0.000 6.453% $184 $0 $943
6.375% 0.000 6.579% $400 $0 $956
6.500% 0.000 6.706% $994 $0 $968

 

* Payment amounts shown do not include amounts for taxes and insurance premiums, if applicable. Actual payment obligation will be higher.

Assumptions

Loan Amount $150,000
Loan Purpose Rate/Term or Purchase
Down Payment 25%
Property Type SFR
FICO 780+
Escrow Account Required Yes, taxes & Insurance
State IL Count COOK

Purchase a Home

Your employee benefit discount can be applied to any purchase product from Mutual of Omaha Mortgage. Whether you're in the market for a conventional fixed-rate, VA, FHA or other specialized loan program, we're here to make your mortgage process fast and easy - and help you save money at closing and over the life of your loan! Contact a Mutual of Omaha Mortgage loan officer to learn more or start your application with us today.

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Refinance Your Home

When you apply for a refinance loan with Mutual of Omaha Mortgage, you can rest assured knowing we'll provide the best refinance experience available. We work to find you the best refinance option for your home loan needs - and you get big savings with your employee benefit discount. That's less money out of your pocket, and more savings over the life of your loan with Mutual of Omaha Mortgage. Get your refinance started today!

See What Our Customers Have to Say

Cailin McDermott in BERWYN, IL

On August 12, 2025

Daniel jumped into action on a weekend with zero notice to get us preapproved to put an offer in on our dream house. Only later did we find out that he was doing so from the hospital, where his wife had just given birth to their son! While I can't help but feel bad about blowing his phone up during that time, he knew how time-sensitive it was to complete all of this so that we'd have a chance at buying this home, and did everything he could do to get us there. We are forever grateful.

Vinod R Gaglani in Edison, NJ

On August 04, 2025

Everything was transparent and mortgage was done in less than 30 days. No hidden cost and any other surprises. Mike is a great peron to work with and made everything easy to understand so there was no stress.

Matthew Granito in Mount Laurel, NJ

On August 02, 2025

Mike was great!

David Morrison in Bellevue, NE

On July 30, 2025

It was quick, easy, and I received everything I asked for within minutes, day or night, no matter the day

Nathan Harris in CHICAGO, IL

On July 16, 2025

Daniel was on top of everything, even replying to emails on the weekends and via text. He has not only a great ability to communicate regarding what can be an intimidating topic re: loans, but does so in a way I found calming and encouraging. It was easy to trust him. I'd certainly return to Daniel/Mutual Omaha for future loan needs.

Robin Nigro

On July 04, 2025

Tyler was a delight to work with! He was always encouraging and reassuring about the loan, and he always made me feel better after talking to him! He had a great sense of humor but was professional at the same time and it was a pleasure doing business with him!

Roselynn Ganeles in NESBIT, MS

On July 01, 2025

First thing, Adham is amazing! He explained everything in terms I could understand and if I had a question he answered it right away. He is definitly very knowledgeable on the process. From the beginning of the Application, to the final signing of documents, the process was easy and flawless! I would highly recommend Mutual Mortgage if you are looking to buying a home or looking for an Equity Loan! Mutual Mortgage is awesome!!!

Timothy J. Meyer Sr in Kiln, MS

On June 19, 2025

Christian and the whole team made the process fast, friendly and efficent

Leatrice J Wilkerson in Calumet City, IL

On June 16, 2025

Cristian was pleasant, professional, and easy to communicate with. I enjoyed working with him. The overall process was pretty simple as well.

Elizabeth Duda in Lake Havasu City, AZ

On April 15, 2025

Luis was very professional and a very nice person to work with! He made sure I understood what he was talking to me about with this loan. Constantly asking me if I understood and had any questions. When I did have a question, he was always able to give me the answer so that I understood. Luis was in constant contact with me either over the phone or email. If I didn't understand something, I could call Luis and he would explain what it meant! Luis did a great job of making this loan very easy and that I was comfortable with the whole procedure. Thank you very much, Betsy (Elizabeth)

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