My Home Tracker

Nope! My Home Tracker is available completely free of charge to United members.

No. My Home Tracker does not perform credit checks and has absolutely no effect on a person’s credit score.

Yes. If United's data identified you as a current homeowner, by default, your primary address (based on your United account) will be the only property added. However, you can then manually add additional properties such as vacation homes, investment properties, and more.

Note: If you previously opted out of United’s marketing communications, your home will not be automatically enrolled. However, you can always choose to self-enroll at any time.

At a minimum, all Members should see the My Home Tracker widget within their Digital Banking. If your home’s details are not appearing, it may simply take a little more time to update — up to 90 days in some instances. If you recently bought or sold a property, we recommend manually adding or removing your home so you can begin enjoying the benefits right away. Regardless, you can always manually add/remove your properties.

It may take up to 90 days for the home address you recently moved from to be removed from My Home Tracker and it’s a similar timeline for the new property to be added. However, remember you can always update your address manually at any time to ensure your information stays current. 

Although these product recommendations are personalized using home values, equity data, and other details, they are not pre-approved offers or commitments to lend. If you’re interested, you will still need to complete the standard application process to qualify.

No, although manually adding your home address may be a little bit faster than United’s auto-enrollment process, but not required. To do so, simply click “Own a home? Sign up here.” within the My Home Tracker tile within Digital Banking.

Note: If you've previously elected to opt out of United’s third-party partner sharing, your home will not be automatically enrolled. However, you can always choose to self-enroll at any time.

Public records like house/property deeds and other property records, which are refreshed on a regular basis.

The remaining loan balance shown in My Home Tracker may differ from your actual balance for several reasons. The most common reason is that additional principal payments have been made over time. These extra payments reduce your loan balance faster than scheduled, which can make the displayed amount appear higher than your true balance.

Currently, all balances in the tool are calculated using the loan’s original terms and interest rate. As a result, discrepancies may occur if payments are made ahead of or behind schedule. To reflect your accurate balance, click “Edit Loan” and manually update the current loan amount.

Yes, any homeowner can enroll regardless of whether they have their mortgage with United.

Yes. If you were previously enrolled in My Home Tracker and wish to delete your account, you can do so under ‘My Accounts’ in the tool itself. This will delete all account information and stop any communications related to the tool. 

It’s very accurate, covering 98% of U.S. homes and regularly checked against actual sales. While it's not an appraisal, it's a reliable way to understand your home’s value.

Different websites use different data. Chimney’s model focuses on the factors most lenders consider, providing a more objective estimate.

Chimney Home uses its proprietary AVM (Automated Valuation Model) to estimate home values, similar to Zillow's Zestimate. The data comes from sources such as MLS and CoreLogic. For equity, Chimney uses a model based on United’s lending criteria.

The loan balance shown in My Home Tracker may not always match your actual remaining balance. This can happen for several reasons, but the most common is that extra principal payments have been made over time, reducing the balance faster than the original payment schedule.

If needed, you can manually update your balance and other loan details. To do this, go to Profile, select Loan Details, and choose Edit Loan.

No. While the estimate is generally close, it’s not the same as a professional appraisal—the most accurate way to determine your home’s value. If a member is applying for a mortgage or home equity loan, an appraisal will likely still be required.

Home values and equity data are updated every 30 days.

Available equity is the estimated amount of home equity the individual can borrow against. It is calculated by subtracting the outstanding balance of existing home loans from the estimated market value of the home.