Road to Home is designed to help make buying a home more attainable with flexible lending options, guidance from a community lender, and an easy way to apply online.
Buy a home with as little as 3% down.*
3% down | Up to $6,000 assistance | No mortgage insurance*
Find your path to homeownership - or refinance.
See if Road to Home is right for you.
How it works
We Offer:
* Loans subject to credit approval and program availability. Not all applicants will qualify. Minimum 3% down payment required on eligible loans. Down payment assistance of up to $6,000 is available only on eligible loans and may vary by market, state, borrower qualifications, property type, occupancy, income limits, and available funds. Credit scores as low as 620 may be considered for eligible applicants, but additional underwriting criteria apply, and approval is not guaranteed. No mortgage insurance requirement and no processing fee apply only to eligible program loans; other fees, closing costs, prepaid items, and escrow requirements may apply. Purchase and refinance options may have different terms and very by state.
Our Community Mortgage Lenders
Connect with a local expert to explore your loan options
Angela Chavez
Community Mortgage Lender
NMLS#: 1372030
Dustin Shepherd
Community Mortgage Lender
NMLS#: 260770
Brandon Mitchell
Community Mortgage Lender
NMLS#: 1790074
Frequently Asked Questions
Road to Home is FNBO’s unique set of loans and services designed to help make homeownership more attainable for all. It’s available for homebuyers and customers looking to refinance.
Road to Home may allow a down payment as low as 3%.*
Yes. We offer down payment assistance up to $6,000 for those who qualify.*
Road to Home accepts credit scores as low as 620.*
Road to Home has no processing fees.*
No. Road to Home has no mortgage insurance requirement.*
You can start online through FNBO’s secure application portal. A Community Mortgage Lender will guide you through the rest of the process.
Talk to one of our experienced Community Mortgage Lenders, they will discuss your options and walk you through the entire process.
Calculate Your Monthly Payment
Yes, reach out to one of our Community Mortgage Lenders.
Looking to Access the Equity in Your Home? We Can Help!
Why FNBO?
FNBO is the great big, small bank and nearly 170 years we've been with you where you are. Our purpose is to improve the financial well-being of our customers and ensure the success of all the communities we call home. We firmly believe that for a community to be strong, every individual must also have the resources and opportunities to succeed.
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Nearly 170 years of putting customers first.
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Legal Information
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© 2026 First National Bank of Omaha (FNBO). All Rights Reserved. 1601 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
Awards based on independent surveys and editorial methodologies for the years shown. Recognition does not imply endorsement or affiliation.