First Time Homebuyer

FIRST TIME HOMEBUYER

Imagine Your First Home

Imagine all the firsts. Imagine all the memories.

Father with child learning to walk
Father with child learning to walk

FIRST TIME HOMEBUYER

Imagine Your First Home

Imagine all the firsts. Imagine all the memories.

Buying Your First Home

Purchasing a home is one of the most rewarding and exciting experiences in life – that’s why they call it the American dream of home ownership! Having a knowledgeable professional will provide you with the support and confidence to guide you home. We are here for you.

At United Bank, we understand every facet of purchasing a home and will find the right loan option that works best for your personal financial situation. Our lending specialists have the experience, technology and solutions to help you make the dream of homeownership become a reality.

Imagine the Benefits

In today’s economy, rent continues to increase year after year while mortgage interest rates are still relatively low from an historical standpoint and home values are on the rise in many areas. If you need some inspiration to start house hunting or just want to make sure you're taking advantage of all that homeownership has to offer, check out this top 5 list of perks that will repay your hard work from now well into retirement.

Security & Freedom

A home provides security for your family and freedom to make your home your own.

Build Equity

Home ownership is one of the few investments you can enjoy while building equity and increasing your net worth.1

Tax Benefits

Mortgage interest, certain closing costs, mortgage insurance and property taxes may be tax deductible.2

Inflation Protection

Principal and interest payments can be fixed making payments more affordable.

Build Your Credit

Consistent payments show you are a responsible borrower.

Taking the simple step of speaking to a United Bank Mortgage professional may be the smartest financial decision you make, as it can allow your family to make monthly home payments toward your own asset instead of increasing your landlord’s wealth.

1. Equity is not guaranteed. Equity growth and value dependent upon market factors.
2. GMM is not a tax service and cannot provide tax advice. Please consult a tax professional to determine applicable tax deductions.
Team putting their hands together

United Bank Grants

Do you dream of owning a home, but have limited funds for a down payment and closing costs? One of our United Bank Grant programs may be the answer to your home buying dreams.


*Grant Programs are only available in select market areas. Not all applicants are eligible.

First Time Homebuyer Loan Options

United Bank Grants

Are you Looking for Down Payment & Closing Cost Assistance Grants?

USDA Loans

Are you looking for a home in a rural or country area?

Asset Advantage Mortgages

Do you have financial assets you would like to have considered when applying for your mortgage?

VA Loans

Are you a Veteran, Active Duty or Military Spouse?

 

Locate a Mortgage Loan Officer near you.

Need help? Give us a call.

We’ll get right back to you.


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.