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.

Check Rates or Schedule a Consultation

Let’s work together on your next steps
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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

Shop around

When you start looking for your new home, calling your lender to get prequalified is a helpful first step. This way, you’ll be ready to act when you find the house you want to buy.

house on computer screen

Make an offer

Once you’ve found the home you want to buy, you’ll make an offer. This is when you’ll apply for financing based on the home for which you now have a purchase agreement.

Sold home

Preparing to move

From the time you submit your application to the day you close on your house, you’ll work with our team to collect documentation, get an appraisal, and get your loan approved. Working with an expert from the start can help you avoid any surprises near the end.

Home inspection and appraisal

Get your keys

On closing day, you’ll sign your final loan documents and get the keys to your new home. We’ll help make the process as smooth as possible — after all, you have some moving in to do.

Moving into your new home

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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