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supporting your next big move
designed for those relocating for work or returning to the U.S.
Relocation (Relo) Loans are designed to support members moving due to career opportunities or international transitions. This program is ideal for members with an executed employment agreement that includes relocation benefits or for those relocating to the U.S. from another country.
Eligible members must be relocating within 24 months of applying for the loan. Choose from Fixed Rate Mortgage (FRM) or Adjustable Rate Mortgage (ARM) options—including 5/1 ARM and 7/1 ARM—tailored to help you purchase a primary residence while making a major move.
Need help navigating your relocation options? Our local mortgage advisors are here to guide you every step of the way.
Features
- Relocation-based eligibility – Available for those moving for work or returning from abroad
- Up to 24-month move window – Must relocate within two years of application
- Flexible rate options – Choose from FRM, 5/1 ARM, or 7/1 ARM
- Primary residence only – For the purchase of an owner-occupied home
- Employment agreement required – Must include a relocation benefits package
Ideal For
A Relocation Loan is often chosen for the convenience it provides—enabling individuals or families to secure a new home in their new destination before facing the stress of selling their current one.
Frequently Asked Questions
A: A relocation loan is a mortgage designed for members moving due to a new job opportunity or returning to the U.S. from abroad. It allows eligible borrowers to purchase a primary residence in their new location using an executed employment agreement that includes relocation benefits. You must be relocating within 24 months of your loan application.
If you’re planning a move, a Mortgage Advisor can help you get started.
A: To qualify for a Relocation Loan, you must be moving for work or returning to the U.S. from another country and have an executed employment agreement that outlines your relocation benefits. Your move must take place within 24 months of your loan application, and the home you purchase must be your primary residence.
To confirm your eligibility, connect with a Mortgage Advisor.
A: Relocation loans typically require an executed employment agreement that includes your relocation benefits package, proof of income, and documentation showing your upcoming move. Additional items—such as relocation letters, bonus structures, or housing stipends—may also be requested depending on your employer’s benefits.
A Mortgage Advisor can provide a full checklist based on your situation.
A: Yes. Many borrowers use a relocation loan to secure a home in their new destination before completing their move. As long as you are relocating within 24 months and meet employment agreement requirements, the home may be purchased as your future primary residence.
Your Mortgage Advisor can help you understand timing requirements and next steps.
A: Yes. To qualify for United’s Relocation Loan, your executed employment agreement must include a relocation benefits package from your employer. These benefits help verify the circumstances of your move and support loan eligibility.
If you're unsure whether your benefits qualify, speak with a Mortgage Advisor.
A: United offers multiple mortgage options with its Relocation Loan program, including Fixed Rate Mortgages and Adjustable Rate Mortgages (ARM), such as 5/1 ARM and 7/1 ARM structures. These options allow you to choose a loan type that matches your budget and long-term plans.
A Mortgage Advisor can help you compare options.
plan your next move
explore our mortgage calculators
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.
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Offer and terms subject to change. Loans subject to credit and collateral approval. Rate and term based on individual credit history and program guidelines. Consult a mortgage advisor for more details.