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NOTICE: Cobalt Credit Union employees will never call, email, or text you asking
for account information, online banking credentials, or security codes.* Please
contact us if you suspect fraudulent activity or have any questions. *Our Fraud
Center may ask for your social security number and zip code for identity
verification.

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 * Mailing Address
   
   Cobalt Credit Union
   7148 Towne Center Parkway
   Papillion, NE 68046

 * Local: 402.292.8000
 * Toll Free: 800.228.0392
 * Routing Number:
   304083448




HOME LOANS


CREDIT UNION HOME LOAN OPTIONS TO HELP YOU FUND HOME SWEET HOME.

Whether it’s your first home or your fourth, buying a house is an exciting event
— one with lots of steps. Our Mortgage Loan Officers can help provide financing
options that work for you, and guide you through every stage of the credit union
home loan process.

Apply Now

LEARN ABOUT COBALT CREDIT UNION HOME LOANS:

Why Choose A Cobalt Mortgage?  |  Financing Options  |  Apply with Your ITIN  | 
Cobalt Professionals Program  |  Home Loan Resources

     Meet Our MLO TeaM  


WHY CHOOSE A COBALT MORTGAGE?

Cobalt Credit Union has been serving our area communities for over 75 years. We
are the largest locally-owned credit union in Nebraska with over 100,000
members. We continue to make strong business decisions, but never sacrifice our
core values of Respect, Integrity, Service and Excellence. We are passionate
about serving our communities and providing safe, quality mortgage solutions to
home buyers in our local market.  

BENEFITS YOU CAN EXPECT FROM COBALT MORTGAGE 

 * Competitive rates and fees  
 * Fixed terms up to 30 years  
 * Expert mortgage loan officers who make the process efficient and hassle-free
    
 * Custom mortgage solutions tailored to meet your financial needs and goals  
 * Fast and convenient online application and approval process  
 * Local underwriting, processing and closings  
 * 25+ convenient locations

 



 

 

 “THE COBALT MORTGAGE TEAM HELPED ME UNDERSTAND THE ENTIRE MORTGAGE PROCESS BY
TAKING THE TIME TO EXPLAIN EVERYTHING THAT WAS GOING ON AND WHAT IT ALL MEANT TO
ME. MY MORTGAGE LOAN OFFICER HELPED ME FEEL VERY COMFORTABLE WITH A BIG STEP IN
MY LIFE.”  

- A. Smith, Papillion, NE 
 


FINANCING OPTIONS


10, 15, 20, OR 30 YEAR TERMS ARE AVAILABLE. PROPERTY MUST BE LOCATED WITHIN A
100 MILE RADIUS OF COBALT CREDIT UNION.

CONVENTIONAL FIXED RATE

Say no to surprises. Avoid worrying about fluctuations in interest rates and
enjoy a consistent mortgage interest rate for the life of your conventional
loan.1

3% DOWN PAYMENT MORTGAGE

Cobalt Credit Union has mortgages that you can understand. With a lower down
payment and no repayment penalty, you'll know you're making the right move.2

ADJUSTABLE RATE MORTGAGE (ARM)

Cobalt Credit Union's Adjustable Rate Mortgage (ARM) options include
Conventional 3/6 and VA 3/1 ARMs. These ARM options provide a lower initial
interest rate and increased flexibility for borrowers who want to adjust their
payments as their financial situation changes. With an ARM from Cobalt Credit
Union, you can take advantage of these lower rates while still being able to
afford your monthly mortgage payments, making it an excellent option for many
homebuyers.3,4

BIG 10

Shorter terms mean paying less interest over the life of your loan. 

JUMBO LOANS

Buying a home that exceeds conforming loan limits? If you have an established
credit history and can put at least 10% down a Jumbo Loan might be the option
for you.5

EXTENDED LOCKS 

Your interest rate will not increase if mortgage rates rise during the lock
period. Rates can be locked for up to 365 days.

REFINANCES

Save money by lowering your mortgage payment, paying off your mortgage sooner,
or taking out cash to pay off high-interest debt.

INVESTMENT

Secure a loan to invest in the residential real estate market.


COBALT PROFESSIONALS PROGRAM

The Cobalt Professionals Program* for medical and dental professionals is
developed to recognize the individual aspects of those entering the medical
field and to identify the prospect for increasing income as they advance in
their profession.

 * Expanded underwriting criteria for student loan debt
 * Limited down payment
 * Lender Paid and Borrower Paid Mortgage Insurance options available

Eligible professions include: medical resident, medical doctor, optometrist,
chiropractor, dentist, dental surgeon, and pharmacist.

*An applicant must have, or open prior to closing, a checking or savings account
with Cobalt Credit Union. Applicants with an existing account with Cobalt prior
to application, also satisfy this requirement. Eligible medical professionals
include: (1) medical doctors who are actively practicing, (MD, DDS, DMD, OD,
DPM, DO), (2) medical fellows and residents who are currently employed, in
residency/fellowship, or (3) for salaried employees only: medical students and
medical doctors who are about to begin their new employment/residency for
fellowship within 90 days of closing. Those employed in research aor as a
professor are not eligible. For qualified borrowers with excellent credit. PITIA
(Principle, Interest, Taxes, Insurance, Assessments) reserves 4-6 months are
required, depending on loan amount.


APPLY WITH YOUR ITIN*

Lea en español

Cobalt Credit Union offers mortgage services tailored to our members with ITINs
(Individual Taxpayer Identification Number).*

*For full disclosures, visit our ITIN Lending page.

Apply Now
Learn More

 

WHETHER IT'S HOME IMPROVEMENT, DEBT CONSOLIDATION, OR AN UNEXPECTED EXPENSE -
NOW IS THE PERFECT TIME TO UNLOCK YOUR HOME'S EQUITY AT A GREAT LOW RATE!

 

LEARN MORE ABOUT HOME EQUITY LOANS & LINES


HOME LOAN RESOURCES

Buying a home can be overwhelming. Here are some calculators and articles to
help guide you on your journey to home ownership.

Loan Calculators

Mortgage Payoff Calculator
Refinance Break Even Calculator

Understanding Home Loans

Understanding Private Mortgage Insurance
How Amortization Works On Your Home Loan
Getting a Mortgage When You’re Self Employed

Frequently Asked Questions

Home Inspection FAQ
Assets First-Time Homebuyers Should Have
Buying A Home: Seven Easy Steps

Ready to take the next step?

Meet our financing team

1Rates as of 8/30/2023, however, mortgage rates are subject to change daily.
Interest rate would be based on current day pricing when locking the rate with
an originator. Minimum 5% down payment required. Owner-Occupied Single-Family
Residence Homes only. Payment example is based on a home with a $250,000
purchase price and a $50,000 down payment. For example, a $200,000 30-year fixed
rate mortgage loan with an Annual Percentage Rate of 7.853% requires 360 monthly
payments of $1,347.44. Loan payment amount does not include monthly taxes and
insurance and your actual payment may be greater. Offer and rates subject to
change. Loan subject to underwriting and credit approval. Additional
restrictions apply.

2Rates as of 8/30/2023, however, mortgage rates are subject to change daily.
Interest rate would be based on current day pricing when locking the rate with
an originator. Minimum 3% down payment required. Owner-Occupied Single-Family
Residence Homes only. Payment example is based on a home with a $200,000
purchase price and $6,000 down payment. For example, a $194,000 30-year fixed
rate mortgage loan with an Annual Percentage Rate of 6.969% requires 360 monthly
payments of $1,194.49. Loan payment amount does not include monthly taxes and
insurance and your actual payment may be greater. Offer and rates subject to
change. Loan subject to underwriting and credit approval. Additional
restrictions apply.

3Rates as of 9/6/2023, however, mortgage rates are subject to change daily.
Minimum 5% down payment required. 3/6 ARM Repayment Example: $250,000 purchase
price with a $50,000 down payment and $200,000 financed at 6.49% annual
percentage rate (APR) with a term of 30 years would result in a principal and
interest payment of $1,241.86. Loan payment amount does not include monthly
taxes and insurance and your actual payment may be greater. The principal and
interest portion of your payment may be higher at the beginning of each new ARM
term based on market conditions. Owner-Occupied Single-Family Residence Homes
only. Loan subject to underwriting, private mortgage insurance and credit
approval. Additional restrictions may apply.

4Rates as of 9/6/2023, however, mortgage rates are subject to change daily. Must
be owner-occupied single-family residence. 3/1 ARM Repayment Example: $250,000
purchase price and $250,000 financed at 6.697% annual percentage rate (APR) with
a term of 30 years would result in a principal and interest payment of
$1,595.71. Loan payment amount does not include monthly taxes and insurance and
your actual payment may be greater. The principal and interest portion of your
payment may be higher at the beginning of each new ARM term based on market
conditions. Owner-Occupied Single-Family Residence Homes only. Loan subject to
VA underwriting and credit approval. Additional restrictions may apply.

5Rates as of 8/30/2023, however, mortgage rates are subject to change daily.
Interest rate would be based on current day pricing when locking the rate with
an originator. Minimum 5% down payment from borrower’s own funds required. Based
on 80% loan-to-value and detached property type. For example, a $960,000
purchase price with $768,000 financed on a 30-year fixed rate mortgage loan with
an Annual Percentage Rate of 7.907% requires 360 monthly payments of $5,174.16.
Loan payment amount does not include monthly taxes and insurance and your actual
payment may be greater. Offer and rates subject to change. Maximum loan amount
of $1,500,000.00. Owner-Occupied Single-Family Residence Homes only. Loan
subject to underwriting and credit approval. Additional restrictions apply.


MAIN NAVIGATION

 * First Section
   * Personal
     * Checking
     * Savings
     * Youth Accounts
     * Certificate & Deposit Rates
     * Credit Cards
     * Become a Member
   * Loans
     * Loan Types
     * Loan Rates
     * Auto & Vehicle Loans
     * Home Loans
     * Home Equity Products
     * Personal Loans
     * Revolving Line of Credit
 * Second Section
   * Business
     * Business Rates
     * Business Services
     * Business Checking
     * Business Savings
     * Business Credit Cards
     * Business Loans
     * Business Lines of Credit
   * Online Banking
     * Online Banking Login
     * My Card Info Login
     * Wealth Management Account Login
     * Make a Payment
     * Skip-A-Loan Payment
     * Replace A Card
   * Invest & Insure
     * Cobalt Wealth Management
     * Insurance
 * Third Section
   * Connect
     * About Us
     * Careers
     * Community
     * Membership
     * SAC Foundation
     * Sponsorships
     * Find a location
     * Contact Us
   * Learn
     * Financial Education
     * Digital Banking Tools
     * Personal Banking Brochure
     * Business Banking Brochure
   * Fraud Center
     * Report Fraud on Your Account
     * Report a Lost or Stolen Card

 * Mailing Address
   
   Cobalt Credit Union
   7148 Towne Center Parkway
   Papillion, NE 68046

 * Local: 402.292.8000
 * Toll Free: 800.228.0392
 * Routing Number:
   304083448

 

       





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