A 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.
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* |
Home Advantage Mortgage2
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* |
Construction & Renovation Loan3
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 Loan4
| 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* |
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.
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.
2Rates, 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.
3 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.
4 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.