United Bank Advantage


United Bank Advantage

Aerial view of a neighborhood
Aerial view of a neighborhood


United Bank Advantage

United Bank Advantage


If you're envisioning grand aspirations that require a mortgage tailored to match and seek competitive rates, consider United Bank's Advantage*, our latest suite of loan offerings designed to provide the ideal solution.

No Mortgage Insurance Advantage

United Bank is able to offer up to 85% loan-to-value financing with no mortgage insurance at competitive rates.

  • Primary Residence Conventional Fixed Rate Home Loan with Competitive Rates
  • Purchase Up to $2,000,000
  • No Mortgage Insurance
  • Minimum 15% Down Payment

Jumbo Advantage

With our United Bank Jumbo Advantage, we now provide a fixed rate on home loans up to $2.5 million for primary home purchases and refinances.

  • Primary Residence Conventional Fixed Rate Home Loan with Competitive Rates
  • 80% Max Loan-to-Value Primary Residence Purchases & Refinance
  • Refinance Your Rate/Term
  • Cash-Out Refinance Available – 75% Max Loan-to-Value

Second Home Advantage

Tired of spending your holidays in hotels and vacation rentals? With our United Bank Second Home Program, you can purchase a home up to $2 million or Refinance and Cash-Out up to $1.5 million.

  • A Long-Term Investment with a Conventional Fixed Rate Home Loan
  • Low Mortgage Rates Makes a Second Home More Affordable
  • Leverage Your Homes Equity with a Cash-Out Refinance
  • May provide Interest and Property Tax Deductions1

Locate a Mortgage Loan Officer near you.

Need help? Give us a call.

We’ll get right back to you.

*Credit score, debt-to-income and other limitations apply. Two appraisals are required for loan amounts larger than $2.0 million. 1. United Bank is not a tax service and cannot provide tax advice. Please consult a tax professional to determine applicable tax deductions.
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.