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Home Loans

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Whether you are looking to buy, refinance or improve your home, Town & Country Bank has a loan for you. We have a variety of options, including the best short term and long-term fixed rate loans available. Our extensive knowledge of the local housing market ensures that your loan will fit your circumstances. Let us design a loan for you today! 

Cindy Muhlbach
Exec. Vice President
Heather Paitz
Vice President
Robin K. Nutter
Asst. Vice President

Heather has been with Town & Country Bank for a total of 22 years, serving as a loan officer for the past 11.  She has been originating residential real estate and Home Equity Lines loans for most of that time.  

She is a founding member of the Litchfield Spartan foundation, as well as an Ansley-Litchfield Booster Club member, a youth volleyball coach and 4-H parent volunteer. Heather is also actively involved in the St. Mary’s & Our Lady of Lourdes music ministry. She has been named Nebraska FBLA Businessperson of the Year.

Robin has been in the banking and real estate industry since 1995. She became a loan officer with Town & Country Bank in July of 2021. Robin's primary duties are in real estate lending, specifically involving secondary market, NIFA (first-time homebuyers) and in-house loans, bridge loans, home equity loans and lines of credit.

Robin keeps busy in the Kearney community by serving as a Kearney eFree church volunteer and is a member of the Kearney Area Chamber of Commerce.

To apply online, click the secure online application link above. This simple step-by-step application begins with entering your zip code and walks you through a series of questions to help our lenders put together the best loan options for you.  If there are any documents that you would like to include pertaining to your mortgage application, the secure document upload link is a way to safely upload them for our team. Once you have submitted your application, one of our experienced mortgage lenders will review the information and contact you to guide you through the next steps of your home buying process.

Home Equity Line of Credit

Borrow Smart! Use your home equity to purchase your next vehicle, pay for home improvements, or send your kid to college. Once you are set up with our Home Equity Line of Credit, funds are available with a simple transfer the next time you need a quick loan. Not only are the rates among the best available anywhere, the interest may be tax deductible. Consult your tax advisor regarding deductibility of interest.