Justin Davison, Loan Officer, Nmls#1604492

Justin Davison, Loan Officer, Nmls#1604492 Providing Conventional, VA, FHA, USDA and jumbo home loans in Nebraska and Iowa. License: NE1604492

My goal is to offer the best mortgage process and tools available- easy and convenient, online information available, coupled with the assistance of an experienced loan officer to guide you through the often difficult and confusing process. Let me walk you through the process and help you choose the exact loan to meet your specific needs!

October is National Financial Planning Month-a great reminder to take a closer look at your financial goals and the step...
10/02/2026

October is National Financial Planning Month-a great reminder to take a closer look at your financial goals and the steps that can help you get there.

Whether you're saving for your first home, building equity, planning your next move, or simply getting your finances in order, small steps today can make a difference tomorrow.

🏡 Think beyond the monthly payment. Think about the bigger financial picture.

Wondering whether a HELOC or a cash-out refinance is the better option for you? Both can help you tap into your home's e...
09/30/2026

Wondering whether a HELOC or a cash-out refinance is the better option for you?

Both can help you tap into your home's equity, but they work differently. A HELOC gives you flexible access to funds as you need them, while a cash-out refinance replaces your existing mortgage with a new loan and allows you to take out cash from your available equity.

So, which option is right for you? It depends on your current mortgage, how much you need, your financial goals, and how you plan to use the funds.
Not sure which path makes the most sense?

Let's talk through your options and find the right fit for your goals.

"I can't afford to buy" and "now just isn't the right time for me" are two very different things.One might be true. The ...
09/29/2026

"I can't afford to buy" and "now just isn't the right time for me" are two very different things.

One might be true. The other might just be something you've heard so many times you started believing it.

Rates, your timeline, your local market, it all plays a part. But most first-time buyers don't need 20% down, and there are programs built specifically to help cover the rest.

We wrote an honest breakdown of both sides: https://www.gershman.com/blog/should-i-buy-or-rent-a-home-in-todays-market/

Want someone to actually look at your situation? That's what we're here for.

FHA loans can be a great option for buyers who want more flexible qualification guidelines and a lower down payment opti...
09/28/2026

FHA loans can be a great option for buyers who want more flexible qualification guidelines and a lower down payment option.
While every borrower's situation is different, FHA qualification generally considers:

* Credit history and score
* Income and employment
* Debt-to-income ratio
* The property you're purchasing
* Down payment and available funds

And here's the good news: you don't necessarily need perfect credit or 20% down to become a homeowner.

Not sure if an FHA loan could work for you? Let's talk through your options and find a loan that fits your goals.

Rates are moving up… but that doesn’t mean buyers have to put their homeownership dreams on hold!This is the PERFECT mar...
09/26/2026

Rates are moving up… but that doesn’t mean buyers have to put their homeownership dreams on hold!
This is the PERFECT market to start talking about a 2-1 Buydown strategy. 🏡
A 2-1 Buydown can help your buyers ease into their mortgage payment with a significantly lower interest rate for the first two years:
Year 1 — Rate is 2% lower
Year 2 — Rate is 1% lower
Year 3 — Full note rate
Instead of immediately focusing on a price reduction, let’s talk about how we can structure the offer to potentially make the PAYMENT more affordable for your buyer.
If you have clients sitting on the sidelines because of rates, SEND THEM MY WAY! Let me run the numbers and show them what’s possible.
Let’s get creative, structure the deal the right way, and get your clients into the home of their dreams. 🏡

Med school debt doesn't have to keep you out of a house.Our doctor loan program is built for physicians, residents, and ...
09/23/2026

Med school debt doesn't have to keep you out of a house.

Our doctor loan program is built for physicians, residents, and fellows; people with strong income potential but maybe not the traditional down payment or credit history a regular loan wants to see.

Little to no money down. No PMI. And we can often work around student loan debt.

Talk to one of our loan officers about doctor loans.

We get to work with some genuinely great people, real estate agents and partners who show up for their clients, take the...
09/21/2026

We get to work with some genuinely great people, real estate agents and partners who show up for their clients, take the 9 pm phone calls, and make a stressful process feel a little less stressful.

To the agents and partners who make our job better: thank you. We see you.

Second home in a warm climate? Rental property to build some extra income? We can help with both.We offer several compet...
09/18/2026

Second home in a warm climate? Rental property to build some extra income? We can help with both.

We offer several competitive loan programs whether you're buying a getaway spot or an investment property.

Different property, different rules. That's exactly why it helps to have someone who knows the ins and outs walking you through it.

Thinking about a second home or investment property? Let's talk about what's possible

Nobody tells first-time buyers this part.Most people assume down payment assistance is something you have to qualify for...
09/17/2026

Nobody tells first-time buyers this part.

Most people assume down payment assistance is something you have to qualify for like a special exception, something only certain people get access to. That's not really how it works.

Here in Nebraska, programs like NIFA exist specifically because the state wants more first-time buyers to become homeowners, not fewer.

What that can look like in practice:

Reduced cash needed at closing
Competitive, fixed interest rates
A real path to ownership sooner than you assumed

I've sat across from a lot of buyers in Lincoln who thought this wasn't for them, only to find out it absolutely was. If saving a big lump sum has felt like the wall between you and a house, let's find out if it actually has to be.

Justin Davison | Loan Officer
M: 402-309-6254 | W: jdavison.gershman.com

An FHA loan may be a great option for eligible buyers looking for more flexible qualification guidelines and a lower dow...
09/16/2026

An FHA loan may be a great option for eligible buyers looking for more flexible qualification guidelines and a lower down payment option (3.5%).

Whether you're a first-time buyer or simply looking for a financing option that fits your situation, an FHA loan could help make homeownership more achievable.

Address

8250 Old Cheney Road
Lincoln, NE
68516

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm

Telephone

+14023096254

Website

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