FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Joe Mendoza
Why I Am a Mortgage Lender
As a Community Development Officer and bilingual professional in English and Spanish, I've dedicated my career to helping people achieve financial stability and homeownership. I enjoy working directly with diverse communities to understand their unique financial needs and connect them with appropriate lending programs.
My Experience
I have been in the banking and lending industry for over 25 years. Through financial literacy education in low to moderate-income neighborhoods, I help transform homeownership dreams into reality. Being a mortgage lender allows me to make a meaningful impact by creating pathways to generational wealth and stability for families who might otherwise face barriers to traditional banking services.
Interesting to Know
In my free time, enjoy coaching my 3 kids in their sporting activities.
We'll Guide You Home
Lock & Shop Rate Security
Stay safe from higher rates and lock your rate in for 60 or 90 days.1
Mortgage Options
Down Payment Options as Low as 3-5%.
Competitive Rates
Competitive mortgage rates help save you money over the life of your loan.
Dedicated Loan Officer
Let your dedicated mortgage loan officer answer all of your questions and provide peace of mind - start to finish.
Contact Us
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Important Information
1 First National Bank's Lock & Shop program locks the initial interest rate for 60 or 90 days on 15 and 30-year conventional, 30-year FHA and VA fixed-rate purchase loan products. Your exact interest rate will depend on the date you lock your rate. In order to obtain this rate, a fully executed purchase agreement must be received by First National Bank within 30 calendar days of a 60 day lock or 60 calendar days of a 90 day lock. You will have the option to extend the due date for the purchase agreement and the rate lock expiration one time by 15 days. In addition, you may exercise a float down in the rate to the current market rate within 7 calendar days of executing a purchase contract. Please contact your loan officer to exercise this float down option. Additional fees, conditions or exclusions may apply. This is neither a commitment to lend nor an approval of the loan inquiry. Any change in rate or fees may affect approval of the loan.
The calculator is provided for your convenience. Calculators are designed to be an approximation using information you provide. Such information is not part of any credit application with us. The accuracy of this calculator and its applicability to your circumstances is not guaranteed and actual results may vary. This calculator is not intended as an advertisement, a disclosure under any consumer law, an offer to make a loan, or an offer of any advice. You should obtain personal advice from qualified professionals. This calculator does not guarantee the availability of any particular product or interest rate and some of the products described in the calculator are not available through us.
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Legal Information
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© 2025 First National Bank of Omaha (FNBO). All Rights Reserved. 1620 Dodge Street, Omaha Nebraska, 68197
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.
NMLS 412727
Only deposit products are FDIC insured.
Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE