Loan Products

Discover the BEST Loan For Your Needs

CONVENTIONAL LOAN

Conventional Loan Options

A Conventional Loan allows homebuyers to customize a loan that perfectly fits their financial circumstances.

VETERAN
LOAN (VA)

Veterans Loan Options

VA Loans designed to assist military service members, Veterans, and military spouses in purchasing homes.

FEDERAL HOUSING
LOAN (FHA)

Flexible FHA Loan Options

FHA Loans are designed to make buying a home more accessible to those who may not qualify for a Conventional loan.

REVERSE MORTGAGE

Reverse Mortgage Options

A Reverse Mortgage is a unique loan option to turn a portion of your home equity into cash.

DOWN PAYMENT
ASSISTANCE

I need help with my down payment

Use Funds to boost your down payment for your dream home.

Loan Process

BUYING YOUR FIRST HOUSE?

1

Determining Your Budget

Before diving into the home-buying process, it's essential to have a clear understanding of your finances. While it may not be as exciting as browsing properties, assessing your budget is crucial for determining what you can realistically afford.

2

Finding your Ideal Home

Choosing a home that aligns with your finances, lifestyle, and life stage involves careful planning. It’s important to consider some key questions about location, home type, and essential features that are important to you.

3

Mortgage Application

The United Financial team will assist you in collaborating with lenders to secure the best rates. Within 24-48 hours of submitting your application, your lender will provide a loan estimate that outlines:

The terms of your loan along with all estimated costs
Your APR, finance charge, and payment schedule

4

Closing

Once you're approved, your lender will arrange for a notary to come straight to you to sign your final closing loan documents, making it easy and convenient.

Unsure About the Right Loan for You?

If you're feeling uncertain about which loan option suits your needs best, you're not alone. With various types of loans available, each with its own benefits and drawbacks, it can be overwhelming to make a decision.

Connect with a Loan Officer