Business Details
23 Years
experience
Your Trusted Mortgage Broker in Lincoln & Omaha, NE
Capital City Mortgage has been serving clients since October 1, 2003, with a commitment to providing tailored mortgage solutions. Our team prioritizes transparency and communication, offering regular loan updates and digital tools for transaction tracking. With expertise in conventional, FHA, VA, USDA, and jumbo loans, we work with multiple lenders to secure the best rates and terms for our clients. Founded in Lincoln, NE, we expanded to Omaha in 2022, combining local market knowledge with personalized service.Our small but dedicated team, led by President Lynette Staley and Omaha Manager Adam Stirba, focuses on streamlining the mortgage process for first-time buyers, veterans, and self-employed borrowers. We emphasize competitive rates, fast closings, and client-centric support, treating every customer like a neighbor rather than a number.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
NON QM Loans
Reverse Mortgage
Details
- Year established: 2003
Highlights and features
- We have 20+ years of experience in mortgage brokerage since 2003.
- Our team offers personalized loan solutions tailored to individual financial situations.
- We provide access to multiple loan products from various lenders for competitive rates.
- We guarantee transparent communication with regular loan process updates.
- Our local expertise in Lincoln and Omaha markets ensures informed guidance.
Associations and certifications
- NMLS
What people say
Knowledgeable and professional
Made process easy
Excellent service
Quick closing
Personalized service
Services
Conventional Loans
Conventional loans offer flexible terms for buyers with strong credit. With down payments as low as 3% and no mortgage insurance at 20% down, these loans provide cost savings over time. Capital City Mortgage secures competitive rates and higher loan limits for primary residences, investment properties, and second homes.
FHA Loans
FHA loans require only 3.5% down with lenient credit requirements, ideal for first-time buyers. Capital City Mortgage provides expert guidance to secure favorable terms, helping clients navigate the process with confidence in Lincoln and Omaha markets.
VA Loans
VA loans offer zero down payment and no PMI for veterans and active-duty members. Our specialists in Lincoln and Omaha secure the best rates for these government-backed loans, ensuring military families access affordable homeownership opportunities.
USDA Loans
USDA loans provide 100% financing for eligible rural areas with low rates and no reserve requirements. Capital City Mortgage assists low-to-moderate-income borrowers in qualifying for these government-supported loans with flexible credit guidelines.
Jumbo Loans
Jumbo loans finance luxury homes exceeding conventional limits. Our brokers help high-income borrowers qualify for competitive terms on premium properties, leveraging relationships with multiple lenders to secure optimal rates in competitive markets.
People
Lynette Staley
Founder & President
Lynette Staley founded Capital City Mortgage in 2003 and leads the Lincoln office. With over 20 years in mortgage brokerage, she specializes in personalized loan solutions and enjoys outdoor activities and family time.
Adam Stirba
Omaha Office Manager
Adam Stirba has worked with Capital City Mortgage since 2007 and manages the Omaha branch. He focuses on detailed client analysis to find optimal mortgage options, balancing work with family and outdoor activities.
Questions
What mortgage rates are currently available?
Rates change daily. Contact Capital City Mortgage for real-time rate updates tailored to your credit profile and loan type in Nebraska markets.
What loan options do you offer for first-time homebuyers?
We recommend FHA loans with 3.5% down or conventional loans with low down payment options for first-time buyers in Lincoln and Omaha.
How does the pre-approval process work?
Our pre-approval requires income verification, credit check, and financial documentation to determine your borrowing power before house hunting begins.
How quickly can you close a mortgage?
We often close loans in under 15 days through our streamlined process, with some transactions closing faster depending on documentation and lender requirements.
Do you offer financing for self-employed borrowers?
Yes, our Non-QM loans provide flexible income verification options for self-employed individuals and those with non-traditional income sources.
What sets Capital City Mortgage apart from other brokers?
We combine local market expertise with personalized service, multiple lender partnerships, and transparent communication for stress-free mortgage experiences.
