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Mortgage Loan Solutions

  • Fixed-Rate Mortgages

    Fixed-rate mortgages offer you peace of mind with a consistent interest rate for the life of the loan.

    • Lock in low interest rates
    • Rates never increase
    • Plan and budget with confidence

     

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  • FHA Loans

    Backed by the U.S. government’s Federal Housing Administration (FHA), this mortgage is a popular solution for today’s homebuyers.

    • Qualify with more flexible credit requirements
    • Enjoy a low down payment
    • Receive backing from the Federal Housing Administration

     

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  • Construction Financing

    Building a new home? United Bank & Trust has flexible construction financing solutions.

    • Pay interest only during construction
    • Delay principal payments until after construction
    • Convert to permanent financing when construction is complete

     

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  • USDA Rural Development Loans

    We are pleased to offer a government-backed mortgage solution designed to support a thriving lifestyle in rural Michigan.

    • Finance up to 100%, including closing costs
    • Bypass private mortgage insurance
    • Enjoy a one-time guarantee fee of 2%

     

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Mortgage Features & Optional Services:

  • Historically low interest rates
  • Easy monthly payments
  • Low down payment options
  • Rural development loans
  • Competitive construction financing
  • FHA insurance

Want to save $250 on your closing costs?

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