Mutual of Omaha Mortgage Review 2023
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At a glance
Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing
Available in all states except New York and West Virginia
Min. credit score required
Pros and cons
- Outstanding reviews from past customers
- A+ rating from the Better Business Bureau
- Offers a mobile app for easy application tracking
- Limited or no details about loans and fees online
- Must share contact information to access rates
Mutual of Omaha Mortgage overview
Mutual of Omaha Mortgage is good for
Borrowers who qualify for VA loans
Breakdown of Mutual of Omaha Mortgage overall score
Affordability: Mutual of Omaha Mortgage doesn’t disclose rates and fees until you provide some personal information.
Availability: This lender works with borrowers in the majority of states. It has a diverse set of loan offerings, with a focus on VA loans.
Borrower experience: Mutual of Omaha’s customer service options include a mobile app and online chat feature, as well as some branch locations.
To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.
Mutual of Omaha Mortgage doesn’t display rates or fees on its website. Instead, you’ll need to share your name, email address and phone number to get a personalized rate quote.
The lender has a robust digital presence with a mobile app and online chat to connect with loan officers, and borrowers can also visit branch locations in 25 states. The lender specializes in VA loans, but also provides conventional loans, FHA loans, jumbo loans and options to refinance your existing mortgage.
Borrower experience: 4.3/5
Mutual of Omaha Mortgage is relatively newer to the space, but its parent, Mutual of Omaha, has operated for more than 100 years. Mutual of Omaha Mortgage is accredited by the Better Business Bureau with an A+ rating and an exceptional track record with past customers. The feedback is similar on Trustpilot. In early 2022, the lender and Massachusetts regulators agreed to a consent order over marketing claims state officials considered misleading.
Refinancing with Mutual of Omaha Mortgage
You can refinance your existing home loan with Mutual of Omaha Mortgage to shorten the loan term, lower your monthly payment, consolidate other debts or take cash out based on the equity you’ve already accumulated. The lender doesn’t share any information about fees for refinancing online, though.
Alternatives to Mutual of Omaha Mortgage
- Rocket Mortgage review – Available in all states and also offers a mobile app
- Mr. Cooper mortgage review – Also offers a mobile app, but doesn’t have any branch locations
- LoanDepot mortgage review – A wider range of branch locations, a paperless mortgage platform and above-average customer satisfaction ratings
Mutual of Omaha Mortgage consumer reviews
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David McMillin is a contributing writer for Bankrate and covers topics like credit cards, mortgages, banking, taxes and travel. David’s goal is to help readers figure out how to save more and stress less.