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limited-time

$2,500 homebuyer credit1

Talk with a mortgage advisor to see if you could qualify for a $2,500 credit toward closing costs or a down payment.

Find A Mortgage Advisor

own your dream home

We have mortgage options ideal for first-time homebuyers who meet a range of life situations. To help make low down payments possible at United, we offer two mortgages through government-sponsored Fannie Mae and Freddie Mac.

Right now, Fannie Mae’s HomeReady Loan and Freddie Mac’s Home Possible Loan offer a new benefit of a $2,500 credit1 for very low-income borrowers to help overcome two of the greatest barriers to homeownership—down payment and closing costs.

Our local Mortgage Advisors are ready to help you every step of the way.



HomeReady® Loan

Backed by Fannie Mae
  • Down payment as low as 3%1.
  • Flexible funding options to put towards down payment and closing cost1.
  • Reduced mortgage insurance available1.

Home Possible® Loan

Backed by Freddie Mac
  • Down payment as low as 3%1.
  • Flexible credit score requirements1.
  • Cancel mortgage insurance when eligible to reduce your monthly payment2.

HomeReady® Loan

options & eligible for
  • FRM
  • Primary Residence
  • As Low As 3% Down Payment1
  • Reduced MI Coverage
ideal for

Members who are first time or repeat home buyers who are looking for flexible funding options to put towards their down payment and closing costs with no personal funds required. With reduced mortgage insurance required, this loan comes with additional affordable mortgage insurance options.

Home Possible® Loan

options & eligible for
  • FRM
  • Primary Residence
  • As low as 3% Down Payment1
  • Cancel mortgage insurance when eligible
ideal for

Members who are first time or repeat home buyers, meet a range of life situations, and are looking for a low down payment and flexible credit score requirements. Members can cancel mortgage insurance when eligible to reduce the monthly mortgage payment and potentially save thousands over the life of the loan.
Find A Mortgage Advisor

further reading

How to save for a home

Tips to save for mortgage down payment

Advice Hub

Saving for a down payment on a house can be the biggest obstacle first-time or repeat home buyers have to overcome.

Read Article

How to save for a home

Saving for a Home Is Easier Than You Think

Advice Hub

It's easier than you think. While a 20% down payment can be daunting, here is how to make saving for a home easier than ever.

Read Article

Should I buy a home when interest rates are high

Affordable Homeownership With Rising Rates

Advice Hub

It can be easy to shy away from buying a home when rates are high. But don’t let that scare you away. The best thing you can do is do your research and be prepared to be flexible.

Read Article

6 Home Buying Steps for Beginners

First-Time Home Buying in 6 Steps

Advice Hub

Buying a new home for the first time is exciting. Here's a guide for first-time home buyers to help along the way.

Read Article

Read More in Advice Hub

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