EXPERIENCE & EDUCATION
Rebekah Smith brings over 25 years of experience in the banking and financial services industry. She began her career as a teller and has since worked across several departments, including operations, commercial credit analysis, appraisal, consumer lending, and as a loan officer specializing in one-to-four family real estate. Rebekah holds a bachelor’s degree in business management from Bellevue University.
BANKER PHILOSOPHY & BACKGROUND
Rebekah was born and raised in North Platte, Nebraska, and has strong ties throughout the state, including the Omaha area where she and her husband reside. She enjoys being a banker because it allows her to help people realize the dream of home ownership. She believes in educating her clients so they can make informed financial decisions that support both their current goals and their long-term stability. Rebekah is committed to building trust with every customer and values relationships.
We’re excited for you to work with Rebekah and discover all that Adams Bank & Trust has to
MORTGAGE LOAN PRODUCTS
CONVENTIONAL Home loan that isn’t backed by the government. Down payments from 3% or more and you’ll need a solid credit score and steady income to qualify.
KEY BENEFIT: Repayment terms are generally more favorable.
FHA
The Federal Housing Administration (FHA) insures these mortgages so Adams Bank & Trust can offer you very attractive loan terms. With flexible qualification guidelines, these loans can be especially helpful and benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down.
KEY BENEFIT: Low down payment (as low as 3.5% of the purchase price).
VA VA Home Loans help veterans finance the purchase of a home with very favorable loan terms at an interest rate typically lower than rates charged on other types of mortgages.
KEY BENEFIT: No down payment required.
USDA USDA Home Loans are for low to moderateincome homebuyers wanting to buy a home in a rural area. USDA Home Loans are affordable and backed by the federal government.
KEY BENEFIT: 100% financing on a fixed 30-year loan on the appraised value of the home.
JUMBO
A jumbo mortgage is any single loan amount over the conforming loan limit set by Fannie Mae and Freddie Mac. Find this limit is on abtbank.com.
KEY BENEFIT: Allow purchase of a more expensive home.
BRIDGE
Provides the opportunity to purchase a new home prior to selling current home.
KEY BENEFIT: Interest only payments until the sale of your current home.
LAND
Purchase a piece of land with no residence on it prior to construction of a primary residence.
KEY BENEFIT: Simple, temporary financing prior to construction.
CONSTRUCTION
Short term loan to cover the building of a new home as a primary residence.
KEY BENEFIT: Flexible financing options.
HOME EQUITY LINES OF CREDIT
Make home improvements, pay for school, consolidate high-interest debt, or have funds available for emergencies.
KEY BENEFIT: Low interest rate for various financing needs.
