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Home Mortgage Loans

Find the home mortgage product that’s the perfect fit for your life

Mortgage Rates and Home Loan Products

The right mortgage can turn any house into a home. Whether you’re a first-time homebuyer, starting a new project or looking to buy more property, United Bank can help you gain access to the funds you need. We offer a wide variety of mortgage options with flexible terms and rates so you can buy, build or refinance your dream home.*

Home loans for the Northeast and Florida

United Bank home loan specialists are licensed to serve homebuyers throughout the Northeast, as well as in Florida. Our experts understand these local markets and will help you make the best, most educated decisions about your next home purchase.

  • Connecticut
  • New Jersey
  • Rhode Island
  • Florida
  • Massachusetts
  • New York
  • Vermont
  • Maine
  • New Hampshire

We’ll work with you to find the right mortgage that works for you and your home ownership goals no matter what your budget is.

Buying a home is a big decision but it doesn’t have to be intimidating because United Bank will be with you every step of the way. Check out our home loan options below, check the current mortgage rates, use our mortgage payment calculator, apply for your mortgage online, and know that a loan from United Bank means that you’re not doing this alone.

United Bank Mortgage Center

Dedicated support from our team of experts.

Call us or email us today to speak with an expert on our Mortgage Banking Team.

Make yourself at home. Learn more about United Bank’s mortgage options.

Product Features


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Put homeownership within your reach with a mortgage from United Bank. We offer quick processing, a selection of terms, and competitive fixed and adjustable home mortgage rates.


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Whether you want to lower your interest rate or shorten the term on your mortgage, refinancing can be a smart option for saving money.

First-Time Homebuyers

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Purchase your first home with peace of mind. We provide full support for new homeowners and will help you obtain an affordable mortgage.

Jumbo Mortgages

Borrow beyond conforming lending standards with a jumbo mortgage. These home loans are larger than traditional mortgages and allow you to finance amounts greater than $424,001.

FHA Loans

See if you qualify for an FHA loan. These government-insured home mortgages feature several great benefits including lower down payment requirements.

VA Loans

If you are a U.S. veteran or widowed spouse, you can take advantage of government-backed VA loans that require no down payment or mortgage insurance (PMI).

Construction Loans

Complete your home construction project with a construction loan. Borrow what you need to break ground and use the loan for up to 12 months.

Lot Loans

Put your vision in motion with a land loan. Borrow up to 75% of purchase price or appraised value.

Residential Investment

Multi-Unit Residential Investment Program with fixed or adjustable rates.
*Subject to credit approval.