Mortgage Services

Home mortgages are one of United Bank’s specialties. The team in our Mortgage Division are experts on all aspects of home financing, including new purchases, refinancing, second mortgages and home improvement loans. To top it off, we service most of our mortgage loans locally, which means you’ll make your payments at United Bank locations(Opens in a new Window) or through our mobile app, not by sending your mortgage payments across the country.   

Our online application is secure and easy-to-use. We'll guide you through the entire process while offering competitive pricing and reliable service. Our quick mortgage pre-approval process allows us to determine your options and help you choose the right loan(Opens in a new Window) for you. At United Bank, our clients receive an easy closing process, escrow support, and competitive rates and fees. 

If you are interested in purchasing a new home and have questions about the amount you can borrow, our lenders will let you know just how much house you can afford to buy.  Mortgage loan options include fixed and variable, 5 year, 10 year, 15 year, 20 year and 30 year terms.

Submit your mortgage application online or in person at any United Bank office.  Mortgage lenders are available in most locations to discuss the loan options available.  A pre-approval letter and additional disclosures are given to you at application submission.

The pre-approval letter specifies the amount of the mortgage loan, and the terms associated with the loan.  Other disclosures provided may include a loan estimate and other forms required by law.  All personal information on your application is confidential and protected by law.
Conventional loan types are often used for primary home loans, secondary homes, investment property loans, home improvement.  Conventional loans can be fixed-rate or have an adjustable rate.

Government loan types offered are FHA loans, VA loans and USDA loans.

United Bank also offers in-house mortgages and the Home Possible® First time homebuyers mortgage.

Once we receive your completed loan application, we will provide you with a Loan Estimate. Upon receipt of your Notice of Intent to Proceed, we will let you know what additional information is needed. The following list is a compilation of frequently needed  documents.

  • A copy of your most recent YTD pay stub(s)
  • Signed business and personal tax returns from the past two years
  • W-2 statements from the past two years
  • For those self-employed, a copy of most recent quarterly or year-to-date profit/loss statement
  • Two recent bank statements for all financial accounts such as checking, savings, IRA, and 401(k)
  • Most recent monthly statements for any mortgages
  • Social Security card and valid driver’s license 

Additional documents may need to be provided depending on the type of loan for which you are applying.

After the underwriting process is complete, and your loan has been approved, United Bank will prepare your closing documents.  The loan closing will be handled by a closing attorney selected by United Bank who specializes in home loans.  During the closing, funds are dispensed to the appropriate parties.
United Bank maintains the servicing of the majority of loans it originates.  That means you can rely on your trusted community banker to assist with escrow accounts and payment processing.  United Bank mortgage customers can make their payments in our bank offices, at our Interactive Teller Machines, and via the free mobile app.
Do you need to refinance? Are you interested in purchasing a second home? Market changes and personal life seasons may present new mortgage opportunities.  When you are ready, our United Bank mortgage team is here to help.
United Bank conveniently places lenders across our market footprint so you can always find someone to discuss your mortgage options with directly.  Click below for the lender's contact information closest to you:




Why choose United Bank for your mortgage?  See our Whitepaper: High Touch Mortgage Service




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