Nebraska Mortgage and Refinance Rates

Written by

Andrew Dehan

Edited by

Pippin Wilbers,

Reviewed by

Thomas Brock, CFA, CPA,

Expert verified

Updated on September 28, 2026

On Monday, September 28, 2026, the national average 30-year fixed mortgage APR is 7.30%. The national average 30-year fixed refinance APR is 7.27%, according to Bankrate's latest survey of the nation's largest mortgage lenders.

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About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.

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Table of contents

Current mortgage rates in Nebraska
Mortgage options in Nebraska
First-time homebuyer programs in Nebraska
How to find the best mortgage rate in Nebraska for you
Additional Nebraska mortgage resources

Current mortgage rates in Nebraska

As of Monday, September 28, 2026, current mortgage interest rates in Nebraska are 7.38% for a 30-year fixed mortgage and 6.82% for a 15-year fixed mortgage.

As with most of the U.S., Nebraska's rates are hovering around 6.5%. Recent months have seen them nudging slightly higher in response to inflation driven by conflict in the Middle East. But Bankrate's experts warn against delaying a purchase just to try to time the market — remember that you can always refinance at a more favorable rate.

Refinance rates in Nebraska

While rates aren’t as low as they were, a cash-out refinance could be an option now if you’re renovating or consolidating high-interest debt. According to Zillow, average home values are up 3.4% year-over-year as of April. You may have equity you could tap for lower rates than other types of debt.

Learn more: What is a cash-out refinance?

National mortgage rates by loan type

Product	Interest Rate	APR
30-Year Fixed Rate	7.22%	7.30%
15-Year Fixed Rate	6.60%	6.72%
30-Year Fixed Rate FHA	6.93%	6.98%
30-Year Fixed Rate VA	6.93%	6.99%
30-Year Fixed Rate Jumbo	7.31%	7.34%
3/1 ARM Rate	6.07%	6.92%
7/1 ARM Rate	6.32%	6.74%

Rates as of Monday, September 28, 2026 at 6:30 AM

Product	Interest Rate	APR
30-Year Fixed Rate	7.18%	7.27%
15-Year Fixed Rate	6.52%	6.64%
30-Year Fixed Rate FHA	6.96%	6.99%
30-Year Fixed Rate VA	6.99%	7.02%
30-Year Fixed Rate Jumbo	7.24%	7.28%
3/1 ARM Rate	6.29%	7.02%
7/1 ARM Rate	6.26%	6.77%

Rates as of Monday, September 28, 2026 at 6:30 AM

Bankrate’s mortgage rates include national rate and APR averages; Bankrate Monitor (BRM) National Index rate averages; and “top offers”:
- National rate and APR averages: Displayed as daily and weekly averages, these rates and APRs are primarily collected from the 5 largest banks and thrifts across hundreds of markets in the U.S.
- Bankrate Monitor (BRM) National Index rate averages: Reported weekly, this long-standing survey collects rates from banks and thrifts across hundreds of markets in the U.S.
- “Top offers”: Displayed daily and weekly, these are an average of the rates listed first on our rate tables as advertised by our partners. The averages shown are based on the loan type and term selected.
You can compare national average mortgage rates to top offers to see how much you could save when shopping on Bankrate.

Learn more about how we collect, display and report mortgage rates.

Mortgage options in Nebraska

For a conventional mortgage in Nebraska, you’ll generally need a debt-to-income (DTI) ratio of no more than 45% and a credit score of at least 620. The minimum down payment is typically 3%, but if you put less than 20% down you'll need to pay private mortgage insurance premiums.
If you have a lower credit score, a loan insured by the Federal Housing Administration (FHA) might be a better option. You can get an FHA loan with a credit score of 580 and a down payment of 3.5%.
If you’re a qualifying veteran, an active-duty member of the military or a surviving spouse, you can get a mortgage guaranteed by the Department of Veterans Affairs (VA). VA loans don't require a down payment or mortgage insurance, but you do need to pay a funding fee, which ranges from 1.25% to 2.15% for your first home purchase.
Since Nebraska is largely a rural state, there are a lot of properties eligible for loans backed by the United States Department of Agriculture (USDA). Like VA loans, USDA loans don’t require a down payment. However, you’ll need to meet area-specific income requirements.

Learn more: Types of home loans

First-time homebuyer programs in Nebraska

There are several homebuyer assistance programs offered through the Nebraska Investment Finance Authority (NIFA) and partner lenders. These include:

NIFA Homebuyer Assistance Program (HBA) Welcome Home: HBA offers down payment assistance. To qualify, you must have a credit score of 640 or higher, have an income below $175,000 and buy a house for less than $485,500 (limit jumps to $607,000 for two-unit properties), along with some other requirements.
NIFA First Home program: If you're a first-time homebuyer who doesn’t need down payment assistance, the First Home program could be for you. In general, it comes with lower rates than the HBA program but has the same requirements.

Learn more: Nebraska first-time homebuyer programs

How to find the best mortgage rate in Nebraska

Step 1: Strengthen your credit score

Long before you start looking for a mortgage lender or applying for a loan, give your finances a checkup, and improve your credit score if needed.
Step 2: Determine your budget

To find the right mortgage, you’ll need a good handle on how much house you can afford.
Step 3: Know your mortgage options

There are a few different types of mortgages.
Step 4: Compare rates and terms from several lenders

Rate-shop with at least three different banks or mortgage companies.
Step 5: Get preapproved for a mortgage

Getting a mortgage preapproval is the only way to get accurate loan pricing for your specific situation.

Learn more: How to get a mortgage

Additional Nebraska mortgage resources

Nebraska loan limits by county

Learn the FHA and conventional loan limits for the state listed by county.

Nebraska mortgage lenders

Check out this list of Nebraska mortgage lenders.

Meet our Bankrate experts

Written by

Andrew Dehan Andrew Dehan

Former Senior Writer, Home Lending

Nebraska Mortgage and Refinance Rates

Nebraska mortgage and refinance rates today

Mortgage rates update frequently

How Bankrate works

How Bankrate works

Get lender information

Compare personalized rates

Get matched with lenders

Current mortgage rates in Nebraska

Refinance rates in Nebraska

National mortgage rates by loan type

How Bankrate collects mortgage rates

Mortgage options in Nebraska

Nebraska conventional mortgages

Nebraska FHA loans

Nebraska VA loans

Nebraska USDA loans

First-time homebuyer programs in Nebraska

How to find the best mortgage rate in Nebraska

Step 1: Strengthen your credit score

Step 2: Determine your budget

Step 3: Know your mortgage options

Step 4: Compare rates and terms from several lenders

Step 5: Get preapproved for a mortgage

Additional Nebraska mortgage resources

Meet our Bankrate experts

Article sources

Mortgage rates in other states