Mortgage Loans

Your home-sweet-home lender

It’s possible to love your new home and the home-buying process. Whether you need a 30-year fixed or an adjustable-rate mortgage (ARM), reach out to a loan officer today

Meeting you exactly where you are

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.

All About Prequals

Why should you get prequalified?

Prequalifications are the all-important first step in the process, putting you in control of the house-hunting experience by telling you what you can afford, making it easier to act quickly, and giving you access to expert advice along the way. Click through to read what our home loan expert has to say about what prequalification is — and what it isn’t.

Free Download

Home Tour Checklist

Turn that dream home into a reality! Our handy home-hunting checklist will help you check all the necessary boxes on a house before you put in an offer. 

eClosing saves time (and trees!)

Many of our mortgages now qualify for eClosings, which means you could potentially close on your new home from anywhere you choose. In addition to eClosings, here are some of the many conveniences of using UBT for your home loan:

  • Working with a loan officer who understands your financial big picture and recommends the right mortgage for you
  • A brand your seller can trust; you’re presenting a prequalification letter backed by a personal review of your buying power
  • A quick and easy online mortgage application
  • Software that makes it easy for you to upload required forms and get them to your loan team right away
  • If your mortgage qualifies for eClosing, you can streamline the process and close from virtually anywhere you choose
UBT mortgage loan benefits

Free prequalification

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 who will get you the best rate.

Close with confidence

We've streamlined the process for buyers, even offering eclosings for qualified home loans.

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.

Loan products subject to credit approval.