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Mortgage Loans

Fixed and Adjustable Rate Loans

Fixed and adjustable rate mortgages (ARMs) are popular for buying and refinancing a home. Fixed interest rate loans offer stability, knowing your interest rate and payment will stay the same for the life of your loan. However, if you select an ARM, you could take advantage of a lower initial interest rate that adjusts at pre-determined intervals throughout the life of the loan. These adjustments are tied to an index and, depending on market conditions, your rate may be higher or lower than your initial interest rate. However, all of our ARMs have periodic and lifetime caps to help plan your payments.

Offer of credit is subject to credit approval.

First-Time Homebuyer Loans

Homeownership is an important step in your life. Let one of our home loan officers guide you through the process. Schedule a time to sit down with a member of our home loan team and discuss the special programs and assistance you have to choose from. With low-down payment options and access to grants to help cover the costs of your loan, homeownership isn’t just a dream; it’s a real possibility.

Offer of credit is subject to credit approval.

Construction and Renovation Loans

Sometimes you find a home you like, but you can envision making it the home you love. Ask a member of our home loan team how you can finance the purchase of that home and its renovation in a single closing. Or, maybe you want to build the home of your dreams. We can help with that too!

Offer of credit is subject to credit approval.

Jumbo Loans

It’s been said to “go big or go home.” We offer the financing to go big AND go home with jumbo mortgages. Designed to loan more than conventional loan limits, you can select a fixed or adjustable interest rate with competitive loan-to-value options for either a purchase or a refinance.

Offer of credit is subject to credit approval.

Veterans Administration (VA) Loans

If you are active duty, a reservist or a veteran, a VA loan is an option to explore. Available for both purchases and refinances, 100% loan-to-value financing and fixed and adjustable interest rates are all options for this loan designed to help honor those who have served so selflessly. These loans are guaranteed by the Department of Veterans Affairs and subject to eligibility requirements.

Offer of credit is subject to credit approval.

Doctor Loans

Many times those who choose the medical field combat fairly significant student loan burden which can make it hard to picture homeownership as a reality. The Doctor Loan program is here to help those in the profession – at any stage of their career – with a low down payment, adjustable interest rate options, and the allowance of interested-party contributions to help cover the costs of the loan.

Offer of credit is subject to credit approval.

Vacation Home and Investment Property Loans

Eyeing a second home? Thinking about dipping your toe in the investment property pool? We have the options you are looking for. Whether you are buying or refinancing, looking for fixed or adjustable interest rates, we offer conventional and jumbo financing for these types of properties.

Offer of credit is subject to credit approval.

Mortgage Loan Officers

Our officers are ready to help you with all your banking needs. Give us a call or come and visit to see what we can do for you.

Offer of credit is subject to credit approval.

David Bennett
Vice President

ID NMLS ID: 1118453

UNB is here to help you accomplish your home ownership needs. Get a free pre-qualification today!