Home Loans

We make it easy to build, buy, or refinance your home

Financing a home is one of the most important decisions you’ll ever make. You can relax knowing our team of professionals will be right there with you.

Where are you in the process?

Thinking about moving

If you’re considering a move, the digital resources in our Learning Center can help you get prepared for the next step in the home-buying journey.

Shopping around

Getting prequalified is a great way to find out what you can afford so you can be a competitive buyer. Talk to one of our loan officers to get started.

Ready to sign

Once you’ve found your house and signed a purchase agreement, you’re ready to apply for financing. We're here to help you every step of the way.

Wanting to use my home equity

A home equity line of credit, or HELOC, can be used for more than just home improvement projects — like weddings, vacations, and more.

It Pays to Go Local

Choose UBT and get $500** off your closing costs

It pays to go local with your home loan — literally! Apply for a home loan with a friendly UBT loan officer by December 29, 2023, and we’ll take $500** off your closing costs when you close your loan with us. Consider it a $500 home-warming gift!

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Frequently Asked Questions

What do I do if I have questions about the Nebraska property escrow analysis I just received?

For specific questions related to your Nebraska property escrow analysis, please click here for our FAQ download. If you have any questions not covered in the FAQ, our contact information is in the download.

Should I refinance my home?

Although each situation is different, there are several reasons to refinance including:

  • To lower your monthly principal and interest payments.
  • To move to a secure, fixed rate loan.
  • To take cash out of the equity in your home.

For more information on refinancing your home, call 402-323-1128 in Lincoln, or toll-free 1-800-297-2837.

What are closing costs?

Closing costs cover all the fees and expenses associated with a loan transaction. Closing costs may include fees for an appraisal, credit report, title insurance, survey, and points. Closing costs vary depending upon the loan product.

What is an appraisal?

An appraisal is a report made by a qualified person, who sets forth an opinion or estimate of property value. Among other considerations of value, the appraisal uses recent local real estate sales activity as a major basis for valuation. 

What is title insurance and why do I need it?

Title insurance protects against problems with the title to your property, such as someone with a legal claim against the home.  Learn more about Lenders and Owners title policies. 

What is Private Mortgage Insurance (PMI)?

PMI is protection for the lender against loss if a borrower defaults. Typically for Conventional loans, PMI is required if your down payment is less than 20% of the purchase price. For example, on a purchase price of $100,000, PMI would be required if you put less than $20,000 (20% of $100,000) as a down payment.  Other types of loans such as FHA, VA, and USDA have similar versions of PMI.

Have Questions?

Get help from an expert

Loan products subject to credit approval.

**Offer subject to credit approval. Valid on first lien closed-end secondary market owner-occupied dwelling-secured purchase or refinance with a term of 10 years or more. Cannot be combined with any other offer. Offer valid on applications received from 09/01/2023 to 12/29/2023. Loan must close on or before 01/31/2024.