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Mortgage Loan Options
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Customer PrivacyWhether you are looking to buy, build, fix-up, or refinance, we have a home loan program to fit your needs. Click here to apply now!
Mortgage Options
Conventional Loan
The most popular loan option for buying or refinancing.
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- Minimum credit score: 640
- Minimum down payment:
- 3% down payment for first time home buyer
- 5% down payment for a repeat home buyer
Rural Development Loan (USDA)
Ideal for buying a home with a good credit score and no down payment required. They are a great first-time home buyer mortgage.
- Minimum Credit score: 640
- No down payment required
FHA Loan
Great loan option for borrowers with a low credit profile and a higher debt to income ratio.
Key Factors
- Minimum Credit Score: 600
- Minimum Down Payment: 3.5%
VA Loans
Financing option that is designed for qualifying active-duty service members, veterans, or surviving spouses.
- Minimum credit score: 600
- Minimum down payment: 0%
Construction Loan
For building, remodeling, or fixing up your home.
Key Factors
- Minimum credit score: loan officer discretion
- Maximum loan to value: 90%
- Have the option to DIY or hire a contractor
Land Loans
Looking to purchase hunting land, a family lake lot, or land for future building?
Applicable for residential, agricultural, or recreational land.
- Minimum credit score: loan officer discretion
- Minimum down payment: 10%
- Maximum loan amortization: 20 years
Home Equity Line of Credit
An interest only line of credit to tap into your homes equity.
- Minimum credit score: loan officer discretion
- Maximum loan to value: 80%
Information accurate as of 1/28/2025, and may be subject to change. All loans are subject to credit and underwriting approval. Other terms and conditions may apply.
United Community Bank NMLS #421829
