Michelle Cotner

Purchasing a new home—or planning a renovation—is an exciting milestone, but navigating the financing process can feel overwhelming. That’s where I come in. As a Loan Specialist at ProLending Home Finance, my mission is to provide clarity, support, and customized solutions to help you achieve your goals. I pride myself on being highly responsive, approachable, and dedicated to making your lending experience as smooth as possible.

Meet Michelle Cotner

With over 15 years of experience in the mortgage industry, I’ve had the privilege of guiding homebuyers across the state of Nebraska through every step of the loan process. Whether you’re buying your first home, upgrading to your dream home, or investing in real estate, I am here to help you find the right loan program to fit your needs.

What I enjoy most about being a Mortgage Advisor is building collaborative relationships and educating my clients so they feel empowered and informed every step of the way. I believe that clear communication and trust are key to a successful lending experience—and I am committed to ensuring your questions are heard and your concerns are addressed.

A Bit About Me

Outside of my professional life, I cherish spending time with my family and friends. My husband Larry and I are the proud parents of our son Dillon. He and my wonderful daughter-in-law have given me the greatest gift—three beautiful grandchildren. I have one granddaughter and two grandsons who are truly the light of my life and my whole world. I’m proud to work with ProLending, a company that shares and supports the family values I hold dear.

Loan Products I Offer

I’m pleased to offer a wide variety of mortgage products, including:

USDA Rural Development Loans
FNMA HomeReady® Loans
FHA Loans
VA (Veterans Administration) Loans
CHENOA Zero-Down Payment Programs
Investment Property Loans
Second Home Loans
Land Loans
“Fix and Flip” Lines of Credit
And many more personalized lending options

Let’s Get Started

It would be my privilege to help you get pre-qualified and walk you through the home loan process with confidence. I look forward to the opportunity to work with you and help turn your homeownership dreams into reality.