United Bank Mortgage Disclosures & Licenses

United Bank is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Reserve, Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480.

This is not a commitment to lend. Mortgage products and services are offered through United Bank. All loan applications are subject to credit and property approval and must meet loan program requirements to qualify. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required. Speak with a Mortgage Loan Officer for more specific information.

United Bank and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

For program specific disclosures, please see program webpage.

United Bank

NMLS ID # 522399 (www.nmlsconsumeraccess.org)

Equal Housing Lender

United Bank is regulated by the Consumer Financial Protection Bureau (CFPB) and Federal Reserve Board (FRB) and licensed in:

Washington D.C. | Mortgage Dual Authority License #MLB153400

West Virginia | Mortgage Lender License #ML-37393

United Bank Lends in the following states:

Virginia
Maryland
District of Columbia
West Virginia
Delaware
Pennsylvania
Ohio
Tennessee
Kentucky
North Carolina
South Carolina
Florida
Georgia

For more information visit: www.nmlsconsumeraccess.org

Journey Home Grant Disclosure

Subject to Credit Approval. Not all applicants are eligible. Journey Home Grant is a Lender Grant and is only available in select market areas. Grant is capped at $10,000, with up to 3% of sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. In addition to Journey Home Grant requirements, borrowers must meet Fannie Mae HomeReady program eligibility requirements. HomeReady® is a registered trademark of Fannie Mae. Mortgage Insurance is required for properties with over 80% loan-to-value. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice.

Welcome Home Grant Disclosure

Subject to Credit Approval. Not all applicants are eligible. Welcome Home Grant is a Lender Grant and is only available in select market areas. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. For Purchase transactions, Grant is capped at $10,000, with up to 3% of sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. For eligible Refinance transactions, up to 3% of appraised value, with a maximum of $10,000 will be applied towards closing costs. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice.

Pathway Home Grant Disclosure

Subject to Credit Approval. Not all applicants are eligible. Pathway Home Grant is a Lender Grant and is only available in select market areas. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. For purchase transactions, Grant is capped at $10,000, with up to 3% of the sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. For eligible Refinance transactions, up to 3% of appraised value, with a maximum of $10,000 will be applied towards closing costs. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice.

Discovering Home Grant Disclosure

Subject to Credit Approval. Not all applicants are eligible. Discovering Home Grant is a Lender Grant and is only available in select market areas. Grant is capped at $10,000, with up to 3% of sales price or appraised value (whichever is less) applied towards down payment first and then any remaining funds applied to closing costs. No cash back for the Grant funds allowed. Loan must be for purchase or eligible refinance of primary residence. Property type and location limitations apply. Loan terms and conditions apply, including but not limited to, maximum loan-to-value of 97%, maximum loan amount, minimum credit score, and maximum income limits. Homebuyer education may be required. In addition to Discovering Home Grant requirements, borrowers must meet Fannie Mae HomeReady program eligibility requirements. HomeReady® is a registered trademark of Fannie Mae. Mortgage Insurance is required for properties with over 80% loan-to-value. Grant program may be considered taxable income. 1099-MISC may be issued. You should consult with your tax advisor. Program rates, terms, and conditions are subject to change without notice.