Homeownership is Closer Than Ever
The Home Advantage Mortgage was purpose-built for buyers who are financially ready for homeownership, but don't have a large down payment sitting in the bank. Finance up to 95% of the purchase price, with no private mortgage insurance.
How It Works
30-year payment schedule with a 15-year term. Subject to 1% origination and standard closing costs. Interested? Click the button below to talk with a local lender, to find out if you qualify.
What You Get
Rates as low as 4.99% APR*
Finance up to 95% of purchase price
No Private Mortgage Insurance
No Cap for Qualified Buyers
Home Advantage Mortgage1
First Lien, Purchase or Refinance Primary Residence Only
No PMI. No mobile homes or condos.
No PMI. No mobile homes or condos.
| Term | Credit Score 715+ |
Credit Score 714–665 |
|---|---|---|
| 180 Months | 4.99% APR* | 5.24% APR* |
Contact Us Today:
Visit your local branch, call us at 800-423-7026, or fill out the form below.
*APR - Annual Percentage Rate. All mortgage loans are subject to credit approval, underwriting requirements, and property approval. Rates, terms, and conditions are subject to change without notice. Additional restrictions may apply. Certain loans may require private mortgage insurance (PMI), flood insurance, or additional documentation. Refinancing an existing loan may increase total finance charges over the life of the loan. Equal Housing Lender. United Bank NMLS# 494759.
1Rates, terms, and program availability may vary based on creditworthiness and underwriting criteria. Home Advantage Mortgage is available for owner-occupied primary residences only. Financing available up to 95% loan-to-value for qualified borrowers. No private mortgage insurance (PMI) required. 30-year amortization with 15-year balloon. For example, a $300,000 home purchase with 5% down at 4.99% APR amortized over 30 years would have 180 monthly principal and interest payments of approximately $1,528.20 and an estimated balloon payment of $193,376 due after 15 years. Payment example does not include taxes or insurance premiums; actual payment obligations will be greater. Actual terms may vary. Property insurance required. Condominiums and mobile homes are not eligible. Other restrictions and conditions may apply.