Donine Ruhland

NMLS#

1008141

About

Donine Ruhland

No matter where you are in the home buying process, we can help. As a mortgage loan officer based in Omaha, we work with you to find the right mortgage for your unique situation. We have resources to answer your questions and have worked with many people in and around Omaha with similar home financing needs. We are proud to work for U.S. Bank and prioritize doing what's right for you. Our service areas include Omaha, NE, with our primary location at 3410 S 143rd Plaza. Connect with us on our social platforms for more information.

Loan programs at

Donine Ruhland

Loan Programs:

1. Conforming fixed-rate loan: Loan amount of $464,000 with a 30-year term, an interest rate of 6.500%, and a down payment or borrower equity of 25%. Estimated monthly payment of $2,933 with an APR of 6.667%.

2. Adjustable-rate mortgage (ARM) loan: Loan amount of $464,000 with a 30-year term, an initial interest rate of 6.875%, and a down payment or borrower equity of 25%. Estimated initial monthly payment of $3,048 with an APR of 7.488%. The APR may vary after the initial fixed-rate period.

3. FHA loan: Base loan amount of $265,375 with a 30-year term, an interest rate of 6.250%, and a down payment or borrower equity of 3.5%. Estimated monthly payment of $1,663 with an APR of 7.478%. Upfront mortgage insurance premium of $4,644 is financed into the loan amount.

4. VA loan: Base loan amount of $264,000 with a 30-year term and an interest rate of 6.250%. No down payment or borrower equity required. Estimated monthly payment of $1,663 with an APR of 6.663%. VA funding fee of $6,072 is financed into the loan amount.

5. Jumbo loan: Loan amount of $940,000 with a 30-year term, an interest rate of 5.625%, and a down payment or borrower equity of 25%. Estimated monthly payment of $5,411 with an APR of 5.784%. Conforming rates are available for loan amounts not exceeding $766,550 ($1,149,825 in AK and HI).

Note: Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.