Mutual Flex Advantage: Empowering Builders Without Upfront Costs

With Mutual Flex Advantage, builders can confidently support buyers with reduced rates and enhanced affordability—all while maintaining a healthy bottom line.

At Mutual of Omaha Mortgage, we understand the financial balancing act home builders face. That’s why we’re excited to introduce Mutual Flex Advantage, a groundbreaking program that allows builders to offer rate buy-downs to homebuyers without any upfront costs or pair-off fees. With Mutual Flex Advantage, builders can confidently support buyers with reduced rates and enhanced affordability—all while maintaining a healthy bottom line.

How Mutual Flex Advantage Works

Secure Funds with Zero Upfront Cost for Builders:

Builders don’t need to tie up capital in costly rate buy-downs. Instead, they only provide a check 3-5 days after closing, which means they can keep their cash flow focused on growing their business and managing project expenses.

Flexible Rate Adjustments:

Builders can promote attractive “target rates” to attract homebuyers and adjust the target rate as needed to remain competitive without requiring a new contract.

Expanded Loan Options:

This program is available for both conventional and government loans, including FHA, VA, and USDA, allowing builders to reach a wider range of buyers.

Buydown Funds Applied at Lock:

With Mutual Flex Advantage, buydown funds are applied at the loan lock stage, offering flexibility and assurance for both builders and buyers.

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Why Mutual Flex Advantage Stands Out

No Upfront Cost: Builders can offer rate relief to buyers without the burden of upfront expenses, making it easier to manage project budgets.
No Pair-Off Fees: Mutual Flex Advantage removes the risk of pair-off fees, so builders don’t have to worry about unexpected costs impacting their bottom line.
Post-Closing Payment Flexibility: The program fee is collected post-closing, allowing builders to leverage their cash flow effectively while still offering competitive rate options.

Mutual of Omaha Mortgage builds on a 100 year old legacy

For a century – through countless historical events – Mutual of Omaha has been there to keep promises to its customers. Inspired by hometown values and a commitment to being responsible and caring for each other, Mutual of Omaha Mortgage continues that legacy. Our mission is to provide home financing solutions that help our customers, and back our services with operational excellence at every level. Today, as the nation grapples with new financial realities, Mutual of Omaha Mortgage is strong, stable, secure, and ready to meet your mortgage and financial needs.