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Home Loans and Mortgages

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Let us lend you a hand.

The housing market can be intimidating, but that doesn’t mean your mortgage should be. With flexible loan programs and terms that fit whatever home you’re looking for, we can work together to find the right solution for your home-buying needs.

MyLo Mortgage Application

It’s easy. It’s secure. It’s the best way to apply for your mortgage.

Find your fit below.

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Fixed and Adjustable Rate Mortgages

Who has ARMs, legs and the fixed-rate mortgages that fit your needs? We do, of course. Popular for buying or refinancing, our fixed and adjustable rate mortgage options come in varying term lengths and can fit whatever square footage you're looking to move into.

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First-Time Homebuyers

Buying your first home doesn't have to be scary. We'll be here with you every step of the way. From determining how much you can afford to finding the right program for your unique needs, our loan officers will guide your every step to your new front door.

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Construction and Renovation

If she said the she-shed needs to be built, like, tomorrow or if you've simply outgrown your space, we can help you get the loan you need. United’s benefits include fixed or ARM rate conventional and jumbo loan options. You can lock your interest rate in upfront, and even lower it to meet a better rate at final closing. 

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Jumbo Loans

We offer higher-than-conventional loan limit options for those dreaming BIG. Whether you are buying, refinancing or finally adding that movie theater room, we have the fixed-rate and ARM options to fit your unique needs.

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VA Mortgage Loans

You have supported us, so please allow us to support you. For all past and present military members, and surviving spouses who are looking for help with buying a new home, we can assist you with a VA Mortgage Loan. Take advantage of potentially no down payments or mortgage insurance, low fixed rates and various repayment options.

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U Advantage Products

If you're a veteran, active-duty member of our military, military spouse or surviving spouse, you may have access to grant funds to pay for accessibility improvements, energy-efficient upgrades, down-payment or closing costs and principal reduction assistance.

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PATH Loan

When all you need is a leg up, we can help. Turn your homeownership dreams into a reality with a PATH Loan. With up to 100% financing for low/moderate-income borrowers and high-minority census tracts within our community, this financing option gives you the financial and personal support you need to thrive.

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Physician Mortgage

For licensed physicians, we’ve designed a unique lending program just for you. Special rates are available for licensed physicians, fellows, interns, residents and dentists. This program is available for purchases or refinances with no down payment options, are ARM programs and do not require any private mortgage insurance.

Meet The Team

Frequently Asked Questions

Who do I contact if I have questions about my personal loan?

Stop by one of our locations near you to speak with a loan officer or use our locator tool to find a mortgage loan officer.

If you'd like to speak with one of our customer support representatives, please call us at 1-800-UCBANK1 (1-800-822-2651).

Didn't find what you are looking for?

Click here to contact us.

Learning Center

Deciding to buy or rent

Buying a home is a rewarding experience. You derive a great deal of personal satisfaction from owning a home. Homeownership allows you to build up your personal net worth over time. Traditionally, long-term increases in housing prices nationwide make homeownership a relatively attractive investment.

 

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Buy vs. Rent

For many, owning a home is the fulfillment of the American Dream. Our Mortgage Services team can help turn your dreams into a reality.
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Mortgage Glossary

If you’ve never taken out a mortgage (or even if you have), terminology can be confusing. There are likely many terms or phrases you’ve never heard of before. Learn the lingo before you get ready to purchase your home.
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