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Loan Services

 Mortgage Products




First Time HomeBuyers

If you're a first time homebuyer, United Bank & Trust offers you more than just great financing solutions - we offer you support. Our Mortgage Loan specialist will guide you through the many options and considerations you will have, on what may the biggest move of your life. Our homebuyers' counseling will provide you with the most valuable resource of all - information.


Fixed Rate Mortgage

A Fixed Rate Mortgage is a great solution for your home buying needs. You'll have a Mortgage Specialist at your disposal, personally handling your loan from start to finish. We work with many trusted investors to ensure you receive the best possible rate. Here's what else you can benefit from with a Fixed Rate Mortgage from United Bank & Trust:

  • Fixed mortgage rate
  • Low closing costs
  • Financing available up to 97%
  • Tailor-made financing
  • Auto-deduction for payments
  • Escrow options available for taxes and insurance
  • FREE, fast pre-approvals


Adjustable Rate Mortgage

Considering a short-term ownership situation? Have a unique real estate opportunity? You may need a mortgage option with a bit more flexibility, such as an Adjustable Rate Mortgage (ARM). ARM interest rates are fixed for the initial time period, then adjust annually based on market rates. The benefits of an ARM include:

  • Serviced in-house
  • Initial rate fixed for a period of time
  • No Private Mortgage Insurance required with a low 15% down payment and satisfactory credit history


Construction Loan

Building your own home requires many important decisions. Make your decision about how to finance the venture an easy one - turn to United Bank & Trust. Our construction financing is a comprehensive service, but we make it easy to understand.

  • One application for all your construction and permanent financing
  • Benefit from a discount at closing


Bridge Financing

Are you ready to build or buy a new home but haven't sold your current residence? Don't let your existing financial obligations stand in the way of your next dream - we can help customize a plan for you to manage both loans. You can move forward with your life, and, when you find a buyer for your previous home, help them start a new dream of their own.



Rates change. Incomes change. Schedules change. United Bank & Trust understands. If you want to take advantage of current rates or change your monthly payment amount or payoff timetable, talk to us. We may be able to work out a refinancing solution to meet your ever-changing needs.


NMLS Registry Information for United Bank & Trust Mortgage Loan Originators