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Home Loans

We’ll make building, buying, or refinancing easy.

 

 

Get a home loan from UBT and you could win

Looking to buy or refinance a home? Do it with help from Union Bank’s team of home loan experts, and you’ll be entered for a chance to win $6,000 you could put toward your mortgage payments — so you can spend your money on something more fun.

home illustration

Buying or building a new home is an exciting time, and it’s one of the most important financial decisions you’ll ever make. You can relax knowing our team of professionals will be right there with you, from a free pre-qualification to finding the right loan for you.

With historically low rates and rising home values, now is the perfect time to build or buy your new home. Or if your current mortgage rate is over 5%, it’s a great time to refinance.

  • Free Pre-Qualifications
  • Competitive Rates
  • Local Decision Making
  • Local Loan Servicing Option

 Union Bank offers all kinds of home loans for all kinds of financial situations:

  • Fixed Rate Conventional & Jumbo Loans
    Get the same interest rate, monthly principal and interest payment throughout the entire term of the loan. You're protected should interest rates rise, and your payments will be predictable.
  • Adjustable Rate Mortgage (ARM)
    An ARM features an interest rate that periodically adjusts with changing market rates, allowing the borrower to take advantage of lower interest rates and possibly enjoy lower monthly payments. Ask a home loan officer about these and other special kinds of mortgages that fit your specific financial situation.
  • Federal Housing Administration (FHA) Mortgage
    FHA mortgages are designed to help you purchase a home with a low down payment and less restrictive qualifying guidelines. These loans are insured by the FHA.
  • First-Time Homebuyer Loans (NIFA)
    This program provides funding for mortgages made to homebuyers who qualify as first-time homebuyers (with certain exceptions) throughout the state of Nebraska and meet established income and purchase price limits.
  • VA Mortgage
    This type of mortgage provides the opportunity to buy a home up to a specified amount with no down payment and are assumable. These loans are administered by the Department of Veteran Affairs.
  • Construction Loans
    We work closely with both builders and homeowners on the construction of a new home. Our team will be with you every step of the way, from the purchase of the lot to the long-term financing once your home is complete.
  • Bridge Loans
    If  purchasing your new home also involves selling your existing home, there's no need to miss out on buying that new dream home just because your current residence is not sold. We’ll help you get there.
  • Lot Loans
    We can help you with financing for the purchase of residential lots, even if you are not ready to build your new home today.
  • Cash-to-Close Loans
    Our cash-to-close loan allows qualified buyers to tap into the equity in your current home for the down payment on your new home.
  • Specialty Loans
    A variety of specialty mortgage loan products are available. Visit with a Union Bank home loan expert to learn more about these products.

Home Loan Calculators

These tools allow you to make calculations based on home value, interest rates, loan payments, down payments, and more.

How Much Home Can I Afford
How Much Will My Fixed Rate Home Loan Payment Be
Should I Refinance My Home Loan Payment

Loan Products Subject to Credit Approval
NO PURCHASE NECESSARY. Void where prohibited. Applicants that close a secondary market, owner-occupied, primary-dwelling secured home purchase or refinance loan in Nebraska or Kansas between Tuesday, October 1, 2019, at 12:00 a.m. Central Time and Wednesday, January 15, 2020, at 11:59 p.m. Central Time (the “Promotion Period”) will be automatically entered in the contest. You may also participate in the Drawing by completing the form at the following link www.ubt.com/personal_banking/home_loan_drawing/6000_dollar_giveaway_011520 during the Promotion Period. You must be at least 18 years of age and a resident of the 50 United States or the District of Columbia at time of entry. Residents of the state of Maine are not eligible to participate. YOU MUST NOT BE PROHIBITED BY FEDERAL OR STATE LAW FROM ENTERING THIS DRAWING OR FROM WINNING THE PRIZE. You may enter only once. You need not be present to win. You may win only once. One winner will receive $6,000 (which may be used to make mortgage payments) and may choose a cashier’s check OR direct deposit into their Union Bank checking account. Odds of winning depend on the number of entries received. Official rules available at www.ubt.com/6000giveaway/official-rules. Member FDIC.