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Adam Stirba

VP of Mortgage Lending
15808 West Dodge Rd, Suites 200B & 200C, Omaha, NE 68118
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NMLS: 214569
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TestimonialsCustomer testimonials Read more

Adam understood a complicated issue surrounding my VA loan when the big banks couldn't wrap their pea-sized little brains around it - he got it done after the big banks were afraid to touch it.

Tim S. -Nov. 2014

We really enjoyed working with Adam and highly recommend him for your mortgage needs. He was very thorough and explained everything to us in great detail. Communication was great. Adam always got back to us in a timely manner if we had to leave a message for him. our closing was a breeze.

Jamie & Chad -Nov. 2014

We worked with Adam to refinance our home. He was a professional and was extremely knowledgeable and led us through the process with little difficulty. He did a great deal of the footwork and made the closing very convenient and simple. We felt we received great service and was provided a great rate with minimal fees.

Paulette D. -Nov. 2014

Adam was always available to answer any questions that I might have had. He was very friendly and knowledgeable about his job. It was my first time buying a house and he made that a very pleasant experience.

Stephanie M. -Nov. 2014

I went in search of working with a mortgage broker to purchase our new home because I knew I could save money and most likely get a better interest rate on our loan. My husband and I picked to work with Adam because my brother-in-law highly recommended him, and had worked with him in the past and had great experiences. We were able to come up with a loan that was manageable for what we could afford. We were very shocked and pleasantly surprised because we didn't have to put down the typical...

Justin and Kari -Nov. 2014

When we purchased our home, we had many questions and Adam was always willing to help answer any questions we had and did a great job of explaining what was going on. We were able to get through the process very quickly. After a couple of years, Adam was able to help us refinance our mortgage and save us a considerable amount of money. If we were looking to purchase or refinance in the future, we would definitely give him a call again.

Eric and Jamie -Feb. 2015

About Adam

Adam Stirba is a VP of Mortgage Lending living and working in Omaha, NE. His number one goal is to help his clients get the lowest total cost mortgage that meets their income and asset goals and allows them to build wealth.

Originating loans since 2006, he has learned the importance of building rapport and understanding with clients in order to be the best mortgage consultant possible. He is also extremely results driven and guides his clients through the mortgage process so the client reaches the closing table.

Armed with a great variety of home loan products, Adam specializes in helping families achieve their goals of home ownership, whether it is the first, second or third home they are buying.

Adam interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Whether they are a first time home buyer or had many previous home loans, I always handle it the same and break it down to the basics. One reason for this is the industry, regulations, and guidelines are constantly changing. First I will find out what their goals and objectives are and find out what monthly payment they are comfortable with. Next, I walk them through what the process will involve and review the 4 C’s of credit with them. Once they are comfortable with me and the process, we will move on to completing the loan.
What advice would you give new or first time home buyers?
I would tell new or first time home buyers to get started with the pre-qualification process as soon as they begin to consider purchasing a home. This is because the process can be somewhat intimidating and if there is anything that my hold up the loan, it is better to catch them early and get them corrected before they have a home picked out.
What are the top 3 misconceptions people have about the home loan process?
The top 3 misconceptions people have about the home loan process are: 1. You need perfect credit to purchase a house. a. This is not true at all. Many people may have had one or two mistakes in the past but it will not necessarily prevent them from purchasing a home. Many of our government products can be a little more forgiving in both rate and underwriting guidelines for those with imperfect credit. 2. I need a large down payment to buy a house. a. Not even close. USDA and VA loans don’t require a down payment and FHA is only 3.5% down. Recently, Guaranteed rate also released a 1% down payment option called the Double Match Program. This requires 1% down from a borrower and Guaranteed Rate will pitch in an additional 2% down at closing. 3. The lowest rate is always the best option. a. This is not always the case. For example, many times FHA will have a lower interest rate but the MIP may be higher than conventional and negate the benefit. Also, it is important to have an idea how long you plan on staying in the home or keeping the mortgage. We can do a quick analysis to find the best combination or interest rate to closing costs for your individual situation.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
During my spare time I love spending time with my family. Having a middle schooler this involves a lot of sports and outside activities, including fishing and golfing.

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