First National Bank of Omaha

First National of Nebraska and its affiliates have nearly $30 billion in assets and 5,000 employee associates. We are the largest privately owned bank in the country and have over 165 years of history helping the communities that we serve. Primary banking offices are located in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota, Texas and Wyoming. Learn more at First National Bank of Omaha.

Loan Officers

Kristi Lyons (NMLS #536657)
STATES:  CO, IL, KS, MO, NE, SD
EMAIL:  [email protected]
PHONE:  402-602-6746

Terms:

FNBO offers home financing solutions geared specifically towards physicians with term options of 15 and 30 year fixed, in addition to ARM products up to 15 years. Depending on your loan amount, you would have 3 options:

Option #1

  • Loan amounts up to $850,000
  • Requires a 0% down payment
  • Requires 2 months of reserves
  • No mortgage insurance

Option #2

  • Loan amounts from $850,001 to $1,250,000
  • Requires a 5% down payment
  • Requires 4 months of reserves
  • No mortgage insurance

Option #3

  • Loan amounts from $1,250,001-$1,500,000
  • Requires a 10% down payment
  • Requires 4 months of reserves
  • No mortgage insurance

Above options require:

  • Minimum credit score of 720
  • US citizen or permanent resident alien
  • Must be an active medical doctor or resident or dentist
  • Fully executed employment contract with no contingencies are permitted for income verification. Applicant must start work within 90 days of loan closing.

Professions:

MD, DDS, DMD, Resident

Strengths:

We are the largest privately owned bank in the country.  We understand the importance of the home ownership process and how moving quickly can help with competing offers. Taking care of our customer is our #1 priority and we have the mortgage technology that allows customers to access their information quickly and accurately.