Mortgages

At United Bank, you’ll find competitive rates, attractive terms, excellent personal service, and a variety of fixed and flexible mortgage programs. Financing is available for properties throughout Massachusetts and Connecticut.

Make an appointment today

Our home financing experts will meet you when and where it’s convenient for you! Contact a mortgage originator, use our information request form, or call us at 866.959.BANK for a no-fee pre-qualification.

Fixed-Rate Mortgage

This conventional loan with a fixed rate offers principal and interest payments guaranteed to stay the same, and is available for terms up to 30 years. If you are looking for a set mortgage payment and you plan to remain in your home for a long period of time, this is the mortgage for you. For more details, view our rates here.

Adjustable-Rate Mortgage (ARM)

ARMs offer low introductory rates, low initial payments and a low down payment. Interest rates are subject to change periodically, depending on the adjustable-rate mortgage product you choose. This is the ideal mortgage if you do not plan to remain in your home for more than three to five years. Fixed-rate terms of one, three, five and seven years are available, with annual rate adjustments thereafter.

Jumbo Loan

If your residential plans require larger-than-average financing, we have a number of larger-than-average loan options for you. Please contact a United Bank mortgage originator for more information on our jumbo mortgage programs.

Construction Mortgage

Our one-step construction mortgage rolls construction financing and your mortgage into one loan. There’s just one application process, one appraisal and one closing – saving you thousands of dollars. Flexible terms and competitive rates make payments affordable during the construction of your new home and after you move in.