Your Homeownership Journey, Made Clear and Simple
Whether you're buying your first home, refinancing, or building your dream home, we're here to make the process clear and simple.
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 what matters most, 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 Mortgage
First Lien
Purchase or Refinance Primary Residence Only
Purchase or Refinance Primary Residence Only
| Term | Credit Score 715+ |
Credit Score 714–665 |
|---|---|---|
| 0–120 Months | 6.50% APR | 6.65% APR |
| 121-240 Months | 6.65% APR | 6.80% APR |
| 241-360 Months | 6.75% APR | 6.90% APR |
1% origination on all loans
$300 Doc Prep
Max DTI 40%
$300 Doc Prep
Max DTI 40%
Construction & Renovation Loan
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 |
Must be underwritten to in-house guidelines for takeout
Loan underwriting stressed at 7.5% for 240 months
1% origination on all loans
$300 Doc Prep
Max DTI 40%
Secondary Residence limited to market footprint only and must not be in a rental program
Loan underwriting stressed at 7.5% for 240 months
1% origination on all loans
$300 Doc Prep
Max DTI 40%
Secondary Residence limited to market footprint only and must not be in a rental program
Residential Lot/Land Loan
| 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 |
Consumer purposes only; Residential lot/land is considered building ready, while land is undeveloped
1% origination on all loans
$300 Doc Prep
Max DTI 40%
1% origination on all loans
$300 Doc Prep
Max DTI 40%
Monthly Payment Calculator
This easy-to-use tool helps you dig into the numbers of homeownership so you can estimate the impact of certain decisions on your finances.