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Limited-time mortgage offers that help lower upfront costs and can help make homeownership more attainable.
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At United, we're here to help make homeownership more affordable with our limited-time mortgage offers. From closing cost savings to special rates and flexible loan options, these opportunities are only available for a short time—so act quickly before they’re gone.
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Understanding your mortgage options can make a big difference in your financial future. Our mortgage calculators help you figure out monthly payments, estimate costs, and explore loan types to find what works best for you. Whether you’re buying a home, refinancing, or planning for the future, these tools give you the information you need to make confident choices.
APR = Annual Percentage Rate.
[2] Limited-time rate as low as 5.490% available only on 3/1 adjustable-rate mortgages (ARM) closed after 09/23/2024. Rate and terms subject to change at any time. Loan subject to credit and collateral approval as well as program terms and conditions. Payment example: $250,000 financed for 3-year term ARM at 5.490% equals a monthly payment of $1,417.90 for 3 years. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. 3-year fixed-to-adjustable rate: Initial 5.490% rate is fixed for 3 years, then becomes variable based on an index and margin. Rate may be increased after consummation. Rate includes a .125% discount available to applicants who register, prior to close, to have their mortgage payment automatically deducted from a United Rewards or Ultra Checking account each month. This offer is exclusive to refinances only. New purchases will not be eligible for the limited-time rate as low as 5.490%. Refinance loan-level price adjustments (LLPA) may be added to the advertised rate based on your financial situation, such as your credit score or the amount of your home’s value you’re borrowing.
[3] For well-qualified borrowers. Rate and terms subject to change at any time. Loan subject to credit and collateral approval as well as program terms and conditions. Limited-time rate based on 5/1 adjustable-rate mortgages (ARM) as low as 4.99% interest rate. Payment example, initial payment on a 30-year $200,000 5-year Adjustable-Rate Loan at 4.99% and 70% loan-to-value (LTV) is $1,072. After the initial 5 years, the fully indexed Annual Percentage Rate (APR), based on rates as of 02/16/2026, of 6.375% is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rates are variable and subject to change after 5 years and your payment may increase or decrease as rates change. Must apply on or before 6/1/2026. Loans with an application date on or before 5/1/2026 must be locked by 6/1/2026. Rate includes a .125% discount available to applicants who register, prior to close, to have their mortgage payment automatically deducted from a United Rewards or Ultra Checking account each month. To be eligible for the Match Day limited-time special mortgage rate, the doctor/dentist must be in a residency or fellowship program or in medical school and matched with a residency program. Certain restrictions apply. This offer is exclusive to new purchases only. Financing up to 100% of the retail value of the property is available. Up to 360 months’ financing is available. You can potentially get 100% financing with no PMI. Rates may be increased after consummation.
[4] For qualified borrowers financing through the HomeReady and Home Possible loans. For more information, visit fanniemae.com/homeready and freddiemac.com/homepossible. Certain terms and conditions apply.