Your Homeownership Journey, Made for You
Whether you're buying your first home, refinancing, or building your dream home, we're here to provide personalized guidance.
Buying a home is one of the biggest decisions you'll ever make. It's exciting, but it can also feel overwhelming, which is why having the right partner matters. With a Home Loan from United Bank, you get more than financing. You get local lenders who know the Alabama and Florida markets, understand your needs, and genuinely care about helping you find the right fit for your family.
Why Choose United Bank
• Local experts who know your market
• Personalized guidance
• Personalized guidance
• Trusted community partner
• Clear, simple process
• Full range of loan options
Mortgage Options
Conventional Mortgage
We offer both local in-house lending and secondary market programs. Choose from a variety of loan types — Conventional, FHA, VA, USDA, Section 184, Jumbo, and more!
Home Equity Loans & Lines of Credit
Use the equity you've built in your home to fund, home renovations, debt consolidation, education costs, or major life events.
Construction Loans
Designed to help you build a home from the ground up or complete a major renovation.
Land/Lot Loans
Gives you the flexibility to purchase underdeveloped or improved property with confidence.
Conventional Mortgage1
Purchase or Refinance Primary Residence Only
| Term | Credit Score 715+ |
Credit Score 714–665 |
|---|---|---|
| 0–120 Months | 6.25% APR* | 6.40% APR* |
| 121-240 Months | 6.35% APR* | 6.55% APR* |
| 241-360 Months | 6.50% APR* | 6.65% APR* |
Construction & Renovation Loan2
Construction - First Lien
Secondary Residence, Non-investment
Secondary Residence, Non-investment
| Term | Credit Score 715+ |
|---|---|
| 12 Months | 7.50% APR* |
Purchase Renovation or Renovation - First Lien
Primary Residence Only
| Term | Credit Score 715+ |
Credit Score 714–665 |
|---|---|---|
| 12 Months | 7.50% APR* | 7.65% APR* |
Residential Lot/Land Loan3
| Term | Credit Score 715+ |
Credit Score 714–665 |
Credit Score 664–615 |
|---|---|---|---|
| 12 Months | 7.40% APR* | 7.55% APR* | 8.40% APR* |
| 60 Months | 7.55% APR* | 7.70% APR* | 8.55% APR* |
*APR - Annual Percentage Rate. All loans are subject to credit approval. Not all applicants will qualify.
1 For example, a $250,000 loan at 6.75% APR for 30 years would have 360 monthly payments of $1,853.00. This payment example does not include the cost of taxes and insurance, so actual monthly payment obligations will be greater. Actual terms may vary.
2 For example, a $100,000 loan at 7.50% APR for 12 months would have 12 monthly payments of $8,675.74. This payment example does not include the cost of taxes and insurance, so actual monthly payment obligations will be greater. Actual terms may vary.
3 For example, an $80,000 loan at 7.55% APR for 5 years would have 60 monthly payments of $1,604.94. This payment example does not include the cost of taxes and insurance, so actual monthly payment obligations will be greater. Actual terms may vary.