Home Loans from Local Lenders Built for You
When you're purchasing a new home, you'll pay close attention to every listing. You'll obsess over square footage, the number of bedrooms and bathrooms and the neighborhood and schools for each potential home. These are all important questions. But are you as critical when choosing your mortgage loan provider? At United Community Bank, we know that purchasing a new home is a big step for you and your family, and we'll put our experience to work for you.
Our lenders know the area, and more importantly, we'll get to know you. We'll have a discussion with you about what you're looking for in your home loan and walk you through every step of the lending process. Most importantly, all decisions related to your loan are made by our lenders in our offices, so you know who you're working with and who to ask when you have questions. Ready to get started, contact us online to connect with our mortgage lending team.
Connect With Our Lenders Printable Mortgage Loan Application
Your Home Loan Options at United Community Bank
Loan Type | Ideal for... | Benefits of this Loan |
|---|---|---|
Fixed-Rate Mortgage | Buyers who plan to stay in their home long-term and want predictable payments. | Stable interest rate and monthly payments over the life of the loan. |
Adjustable-Rate Mortgage | Buyers who plan to move or refinance within a few years. | Lower initial interest rates and payments compared to fixed-rate loans. |
VA Mortgage Loan | Eligible veterans, active-duty service members, and some military spouses. | No down payment, no private mortgage insurance (PMI), and competitive interest rates. |
FHA Mortgage Loan | First-time homebuyers or borrowers who have lower credit scores or reduced down payment ability. | Low down payment (as low as 3.5%) and more flexible credit requirements. |
USDA Mortgage Loan | Buyers in eligible rural or suburban areas with moderate to low income. | No down payment and reduced mortgage insurance costs. |
Construction Loan | Buyers building a new home or undertaking major renovations. | Funds construction costs and can convert to a permanent mortgage after completion. |
Mortgage Loan Refinance | Homeowners seeking better loan terms or lower interest rates. | Can reduce monthly payments, shorten loan term, or access home equity. |
Meet Our Mortgage Lenders
Zachary H
Loan Officer
Divisions: Agriculture Lending, Business Lending, Home Equity & HELOC Lending, Loan, Mortgage Lending, Personal & Auto Lending
Location: Hartley, Iowa
Amanda S
Loan Officer
Divisions: Home Equity & HELOC Lending, Loan, Mortgage Lending, Personal & Auto Lending
Location: Lake Park, Iowa
Kami E
Vice President/Compliance Officer
Divisions: Business Lending, Home Equity & HELOC Lending, Loan, Mortgage Lending, Personal & Auto Lending
Location: Milford, Iowa
Brandon R
Accounting Officer/Consumer Loan Officer
Divisions: Home Equity & HELOC Lending, Loan, Mortgage Lending, Personal & Auto Lending
Location: Milford, Iowa
Seth V
Sr. Vice President
Divisions: Agriculture Lending, Business Lending, Home Equity & HELOC Lending, Loan, Mortgage Lending, Personal & Auto Lending
Location: Okoboji, Iowa