mortgage loan options

Whether you are looking to refi or buy, United home loans come with lots of benefits.

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there's more than one way into your new home

mortgage loan options

Whether you are looking to refi or buy, United home loans come with lots of benefits. We offer zero closing cost options and even rate discount with autopay from a United checking account.1

Get started online or call (800) 777-1627 to talk with a Mortgage Advisor today.


conventional loans

We are proud to offer mortgage loans in nearly every state.2

Fixed-rate and adjustable loans

Whether for a primary residence, a second home, or an investment property, these customizable options work for many home financing needs.

Construction and lot loans

If you’re building your dream home, our construction and lot loans help you secure financing to build your perfect home or buy the perfect lot.

HomeReady® loans

This fixed-rate loan is perfect for first-time or low- to moderate-income home buyers featuring lower down payment requirements, a flexible review process, and lower mortgage insurance premiums.

Jumbo loans

Jumbo loans are perfect for buying a home that requires financing above Fannie Mae limits.


specialty loans

FHA loans

Offers low down payment options from flexible funding sources for down payments and closing costs.

Investment Property Balloon Loans

Provides an affordable borrowing option specifically for the financing of investment properties. The 15-Year Balloon Mortgage is a fixed interest rate mortgage with fixed principal and interest payments that is paid monthly for a 15-year term but the loan is amortized over 30 years. At the end of the 15 years, the remaining balance and applicable interest is included in the final payment.

Rural development loans

Allows up to 100% financing, requires no money down, and offers the flexibility you need for purchasing homes in rural and suburban communities.

VA loans

Requires no down payment and offers financing flexibility for service members, veterans, and eligible surviving spouses.

Get your dream home quicker than ever!
Schedule a conversation with a Mortgage Advisor today or

Apply Online

United Routing Number: 272484894

 

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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.