Real Estate Information Archive

Welcome. I’m Nancy Heim-Berg, a proud Omaha resident who, with my husband Dan, raised 9 children in this great city. Over the years, I’ve seen a lot happen in Omaha. Today, while standing at the corner of North 40th and Ames Avenue, an intersection that’s been busy for over 130 years, I thought about how Omaha has transformed but kept its pioneer spirit intact. 

Over the years, Omaha has evolved from a dusty railroad - cattle town to a vibrant city that continually reinvents itself.  Omaha’s name, which is from the Native American, means “those going against the wild,” representing the rugged, tough nature of Omaha residents. The heritage of our Native Americans, Pioneers, Railroad Workers, Meat Packers, and immigrants has created a diverse, hard-working, versatile community.  I remember the historic buildings in Jobbers Canyon, and now I watch as Omaha becomes a growing real estate darling for national investors. Through an innovative blend of public and private partnerships to transform Omaha into a great plains commerce center.

But you know, somehow, between the boom of Fortune 500 Companies and the Amazing growth downtown along the Missouri River, Omaha has managed to keep adding new ingredients and continue stirring the melting pot to create something more. We watch as historic buildings are replaced, but our history can never be replaced. The meat packing industry remains, but the faces of the workers have changed from pioneers to African Americans to Mexican to Latin American immigrants. Our past meets our present in diversity to continue Omaha’s fantastic culture.  Historically, the city has benefitted from its legacy as a railroad town. Most recently, that legacy has allowed Omaha to benefit from laying communication lines along railroad property, like how we benefitted from constructing telegraph lines.  Did you know Creighton and The University of Nebraska offer degrees in advanced communications?

I’ve watched the migration of businesses from downtown to the suburbs create a westward sprawl that brought malls and the retail development of peripheral neighborhoods. We then saw movement back to downtown with major new developments like the Century Link Center, TD Ameritrade Park, the KONEKO, and the Holland Performing Arts Center. We’ve also seen Benson and Blackstone challenging the Old Market for the top dog area for Omaha Nightlife.

All these changes have also impacted neighborhoods and family living. That’s why I’ve created this new weekly series featuring the best Omaha neighborhoods and suburbs today.

Come back each week to enjoy a walk through the best neighborhoods in Omaha, presented by the Nancy Heim-Berg Team. 

For more information on local events or to chat about finding your dream home in Omaha, visit OmahaAreaLiving.com.

📞 Let's connect! Call us at 402-677-9024, and let's explore all the fun and adventure in Omaha!

When applying for a home loan in Omaha, it's crucial to know which types of income lenders will consider in the qualification process. While lenders are generally inclusive of various income sources, there are specific types that they may exclude. Here's a look at the income types that are typically not factored into mortgage qualification.

1. Temporary or Irregular Income

Income that is not consistent or guaranteed to continue for at least two years is often not considered by lenders. This can include temporary work, contract positions that do not have a long-term commitment, or any sporadic income that cannot be verified as stable and ongoing.

2. Certain Types of Self-Employed Income

For self-employed individuals, income verification can be more stringent. If the income has not been reported on tax returns or lacks a two-year history, lenders may be hesitant to include it in the qualification calculations.

3. Unverifiable Cash Income

Cash income that isn't reported on tax returns or lacks documentation is typically excluded. Lenders need to verify income through tax documents, bank statements, and other financial records. Without this, cash income is not considered reliable.

4. Income from New Employment

If you've recently changed jobs or started a new career, there may be a probationary period before your income is considered stable enough to qualify. Lenders usually require a history of at least two years in the same job or field.

5. Rental Income from Investment Properties

While rental income can be included, there are restrictions. For instance, if the property was recently acquired or the rental history is too short, lenders may not consider this income. Additionally, expenses related to the property may reduce the net income considered for loan qualification.

6. Child Support and Alimony

These income sources may be included if they are expected to continue for at least three years. However, if the payments are due to end sooner, they will not be factored into the qualification process.

7. Income from Annuities or Trust Funds

Unless there is a long-term guarantee, income from annuities or trust funds may be excluded. Lenders look for income that is stable and expected to continue for the foreseeable future.

8. Foreign Income

Income earned outside of the country can be challenging to verify and may not meet the lender's criteria for stability and reliability.

9. Gambling Winnings
While it may be substantial, gambling income is considered too unpredictable and is generally not included in mortgage qualification.

10. Certain Types of Investment Income

Short-term investment income, such as capital gains from assets held for less than a year, may not be considered stable enough for mortgage qualification purposes.

It's important to consult with a mortgage professional to understand the specific requirements of lenders and how your income will be evaluated. Each lender may have different criteria, and staying informed will help you navigate the home loan application process with confidence.

Remember, while some income may not qualify you for a home loan, lenders are looking for stability and reliability in your income streams to ensure you can maintain your mortgage payments over time.

*Disclaimer: This information is for educational purposes only. Always consult with a licensed home loan professional for specific advice tailored to your unique circumstances.*

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If you've decided to sell or buy this year...congratulations!  What an exciting time for you. We're here to assist you every step of the way. Call our family team of experts today and we'll get down to business crafting your plan for real estate buying and selling success! 

As we enter the new year, it's the perfect time to breathe new life into our homes. And what better way to start than by giving well-deserved attention to our often-overlooked floors? Whether you're gearing up for a major makeover or simply replacing worn-out surfaces, 2024 promises an array of exciting flooring trends, transforming your space into a haven of style and comfort.

1. Warm Tile Tones for a Moody Elegance

Step into 2024 with a burst of warmth underfoot! Tile design is turning towards inviting hues like cream, beige, and grey, blending different large formats and tonalities to craft captivating patterns. Jordana Moche, the maestro behind Porcelanosa NYC, predicts a surge in popularity for medium and darker wood-effect tiles and earth-toned flooring. Picture a home with a cozy, moody charm—a true retreat with a touch of hospitality.

2. Retro Carpet Revolution: Nostalgia with a Twist

Hold on to your hats because the carpet revolution is here! Audra Keiber, Mohawk's design and development virtuoso, hints at a retro resurgence in 2024. Like vintage furnishings and retro colorways, carpets are making a stylish comeback. Step away from the mundane gray and embrace the unique patterns and warm tones of this nod to nostalgia. Our top pick? The upcoming Karastan release, Stitchery, weaves a classic herringbone pattern with traditional colorways for a truly inspiring finish.

3. Familiar Farmhouse Flooring with a Modern Twist

The modern farmhouse style still reigns supreme in 2024. According to Adam Vester, Mohawk's design maven, farmhouse trends are evolving towards warm minimalism with Scandinese influences. Raw textures and organic forms meet Scandi minimalism, creating a visually clean backdrop that transforms living spaces into soft-spoken retreats. Embrace the familiarity of farmhouse flooring with a modern, sophisticated twist.

4. Innovative Sustainable Floors: A Green Revolution

Eco-conscious living takes center stage as sustainability and inclusivity drive flooring choices. Audra Keiber emphasizes Mohawk's commitment to sustainability, introducing innovative bio-based flooring alternatives. Expect clean, renewable, and sustainable materials to take the lead in 2024. Join the green revolution and explore flooring options that align with your values.

5. Hardwood Floors Reign Supreme in Kitchens

In 2024, we'll see kitchens graced by the enduring elegance of hardwood floors. Mitchell Parker, senior editor at Houzz, unveils the trend, with a quarter of renovating homeowners opting for stained or unstained hardwood. Get ready for smooth surfaces, raw wood tones, and wide planks. While lighter hues make waves, rustic wood's earthy charm remains a steadfast favorite. Dive into the classic herringbone pattern for an elegant and classy appearance.

6. A Nod to Nostalgia Across Hard Surfaces

Nostalgia isn't confined to carpets alone—hard surfaces are joining the trip down memory lane in 2024. Adam Vester reveals a trend characterized by clean lines and a pared-back aesthetic. Visualize wood and laminate flooring with enhanced wood looks, featuring more minor character knots. This fusion of midcentury modernism with retro seventies vibes and futuristic elements creates an environment that transcends time, offering a sense of timeless elegance.

7. Universal Design for All: Future-Proofing Homes

Homeowners are embracing universal design principles, renovating with everyone in mind. Future-proofing becomes key, ensuring accessibility and convenience for all. Mitchell Parker points out the rising trend of addressing special needs during renovations, focusing on safety. Think nonslip bathroom flooring—a simple yet crucial upgrade that enhances safety for all ages.

In 2024, let your floors tell a story of warmth, nostalgia, and sustainability. Embrace the trends that resonate with your style, and transform your space into a haven of excitement and authenticity. Prepare for a year when flooring becomes the star of your home's design narrative!

Ready for more homeowner tips? Remember to follow us on our Facebook page!

If you've decided to sell or buy this year...congratulations!  What an exciting time for you. We're here to assist you every step of the way. Call our family team of experts today and we'll get down to business crafting your plan for real estate buying and selling success! 

Are you selling your Omaha home and thinking about staging your home? Staging your home is worth paying for. Realtors highly recommend it to increase the chances of selling. While it's an extra cost, it helps make a positive impression on potential buyers and showcases the full potential of your property. Professional staging can highlight the best features, create a welcoming atmosphere, and allow buyers to envision themselves living in the space. Ultimately, staging can lead to a quicker sale and potentially higher offers, making it a worthwhile investment.

1. First Impressions Are Everything

When potential buyers enter a chaotic and disorganized home, they can quickly become disinterested. Comparing a messy property to a clean one, it's clear which one they will prefer. Professional staging can transform a space and create an inviting atmosphere.

Home staging is a transformative process that enhances your property's appeal. It is akin to a professional photoshoot, accentuating its best features. In a competitive market, first impressions are crucial when selling a home. By staging your property, you can capture buyers' attention and increase the likelihood of receiving offers.

2. Accelerate the Sale

When your home remains unsold, it incurs ongoing expenses such as mortgage payments, utilities, and property taxes. However, staging your home can significantly expedite the selling process. On average, staged homes sell 30 times faster than those that are not staged. By utilizing staging, you can save weeks, or even months, of time. Selling your home quickly allows you to cease paying for household expenses and transition to the next phase sooner.

3. Larger Offers

Staging a home can lead to higher offers from buyers, resulting in significant financial gain for sellers. It goes beyond superficial fixes and is an important aspect of marketing efforts.

Staging a home can have a significant impact on buyers. When a house is staged, it helps buyers visualize themselves living there, leading to a higher likelihood of them making a higher bid. The investment you make in staging could potentially result in a larger sale price. Whether your real estate agent covers the cost or you pay for it yourself, home staging is a worthwhile investment that should not be dismissed as just another expense.

4. Enable Buyers to See Themselves in Your Space

Home staging is a powerful tool that bridges the gap between different buyer preferences. It transforms a home into an inviting space that appeals to a wide range of potential buyers. By neutralizing unique tastes, staging creates a blank canvas that still exudes character. This allows buyers to envision themselves making lasting memories in the property.

Professional home stagers employ psychological tactics to create an inviting and appealing atmosphere. It goes beyond simply arranging furniture; home staging aims to establish a seamless flow that evokes a sense of excitement and possibility for potential buyers. By strategically placing items and creating a harmonious environment, home staging communicates the message, "Your future life here will be amazing."

Paying for Home Staging is Worth It

Selling a home can be an emotional and financial roller coaster. Fortunately, staging is a helpful tool for finding buyers. Staging acts as a safety harness, ensuring a smooth and quick sale process. The benefits of home staging make it a worthwhile investment when listing your home.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Are you moving to Omaha in 2023? If you have school-aged children, then you'll probably be interested in finding the best schools in the area. Omaha boasts many top-rated schools for kids of all grade levels. Niche.com has compiled their list of best schools in Omaha for 2023. Here are the top 3 schools they rated for your review.

Brownell Talbot College Preparatory School
400 N HAPPY HOLLOW BLVD
OMAHA, NE 68132

#1 Best High Schools for STEM in Nebraska
#1 Best Private High Schools in Nebraska
#1 Best Private K-12 Schools in Nebraska

Brownell Talbot College Preparatory School is a top rated, private school located in OMAHA, NE. It has 441 students in grades PK, K-12 with a student-teacher ratio of 9 to 1. Tuition is $19,950 for the highest grade offered. After graduation, 100% of students from this school go on to attend a 4-year college.

A happy parent comments: "Brownell Talbot's Points of Pride make up a comprehensive approach to moral development. Consisting of six components present throughout our school community, they promote core ethical values as the basis of good character."

Search Homes for Sale Near Brownell Talbot College Preparatory School

Mount Michael Benedictine High School
22520 MOUNT MICHAEL RD
ELKHORN, NE 68022

#1 Best College Prep Private High Schools in Nebraska
#1 Best Catholic High Schools in Nebraska
#1 Best Boarding High Schools in Nebraska

Mount Michael Benedictine School is a Catholic college preparatory residential/day high school rooted in Benedictine values for young men committed to excellence. Students develop spiritually, intellectually, and socially through the comprehensive curriculum and communal experience to become future leaders.

One student remarks: "Absolutely love the small student population. Really got to know all of my fellow students super well and the boarding aspect only helped in that. Amazing teachers who love their job, and I truly enjoyed going to school everyday!"

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Millard North High School
1010 S 144TH ST
OMAHA, NE 68154

#1 Best Public High Schools in Nebraska
#1 Best College Prep Public High Schools in Nebraska
#4 Best High Schools for STEM in Nebraska

Millard North High School is a top rated, public school located in OMAHA, NE. It has 2,592 students in grades 9-12 with a student-teacher ratio of 18 to 1. According to state test scores, 71% of students are at least proficient in math and 75% in reading.

A Senior had this to say: "I love how diverse Millard North is. You are introduced to people of diverse backgrounds, thoughts, and experiences. Also, there are many ways to get involved and make an impact at our school. You can join many different clubs and activities to explore your passions. You can also customize your academic experience at Millard North. There are college level, honors, or standard courses here."

Search all Homes for Sale in the Millard School District