Homebright

United Bank's HomeBright Program

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Building a brighter future through homeownership.

The HomeBright Program¹ is United Bank’s mortgage solution, created to help qualified borrowers build long-term financial stability and unlock greater access to homeownership in today’s market. With flexible loan features and a focus on affordability, HomeBright may provide an opportunity to move forward with homeownership sooner.

  • Up to 100% loan-to-value (LTV) financing available; closing costs and fees apply
  • No mortgage insurance required, helping reduce monthly payment costs
  • Gift funds permitted, subject to program guidelines
  • Fixed-rate and adjustable-rate options available
  • Primary residence
  • Available for purchases and eligible refinances
  • Program availability may be based on borrower income and/or property location
  • Homeownership counseling certificate required prior to closing if a first-time homebuyer
The house key is inserted in front of the door and opens to welcome the new owner. Home selling ideas, home mortgage

United Bank is a purpose-driven company that puts families and communities first. We are committed to helping individuals and families build a brighter future by taking meaningful steps toward homeownership.

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1. Subject to Credit Approval. Not all applicants are eligible. HomeBright is not available in all market areas. 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 combined of 100%, maximum loan amount, minimum credit score, and potential maximum income limits. Homebuyer education may be required. Program rates, terms and conditions are subject to change without notice.
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.