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.

Find a Loan Officer

Get help from a friendly home loan expert

Local decision makers. Responsive service. Home loans made easy. Our Loan Officers have the experience and market knowledge to expertly guide you through building, buying, or refinancing a home.

Allison Rubenthaler, Loan Operations
UBT mortgage loan benefits

Free pre-qualifications

Make an offer with confidence knowing you’re qualified for a loan of a certain amount.

Local decision making

Get attentive, responsive service from a family-owned bank with decision makers near you.

Competitive rates

We’ll find the right loan for you at the best rate possible so you can get the most bang for your buck.

Local loan servicing options

You can choose to have your mortgage loan serviced locally, so you’ll know where to go with payments and questions.

Buying A Home
We’re here every step of the way

Get pre-qualified

If you're still shopping for homes, be prepared to make an offer by getting pre-qualified. If you've already found "the one," use the full application to apply for your mortgage.

Couple on laptop getting prequalified

Make an offer and apply

Work with your realtor to find the right home and write an offer. You'll need a completed Purchase Agreement specifying the price and terms that you and the seller have agreed upon. Once signed, this is a binding contract, so be sure it has all the details you need — and none that you don't. Now it's time to call your Loan Officer and complete your application.

Applying for a home loan

Loan approval

Our team will work with you to collect documentation, get an appraisal on the home, and submit the information to underwriting to get approval. 

Underwriter reviewing and processing your loan application

Get your keys

We’ll make sure you have everything you need for loan closing, and we’ll make it as easy as possible. After all, you have some moving in to do.

Home sweet home door mat

Mortgage Calculator

How much home can I afford?

This calculator computes the most expensive house you can buy based on the highest payment you can afford, but does not indicate whether you would qualify for the loan.

Frequently Asked Questions

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.

What happens when my home construction is completed?

Once your home is complete your permanent mortgage loan (30, 20 or 15 year fixed) is nothing more than a refinance of the construction loan.

Loan products subject to credit approval.

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