Home Loans

We make it easy to build, buy, or refinance your home

Financing a home is one of the most important decisions you'll ever make. You can relax knowing our team of professionals will be right there with you.

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Home Tour Checklist

Turn that dream home into a reality! Our handy home-hunting checklist will help you check all the necessary boxes on a house before you put in an offer. 

Where are you in the process?

Thinking about moving

If you’re considering a move, the digital resources in our Learning Center can help you get prepared for the next step in the home-buying journey.

Shopping around

Getting prequalified is a great way to find out what you can afford so you can be a competitive buyer. Talk to one of our loan officers to get started.

Ready to sign

Once you’ve found your house and signed a purchase agreement, you’re ready to apply for financing. We're here to help you every step of the way.


eClosing saves time (and trees!)

Many of our mortgages now qualify for eClosings, which means you could potentially close on your new home from anywhere you choose. In addition to eClosings, here are some of the many conveniences of using UBT for your home loan:

  • Working with a loan officer who understands your financial big picture and recommends the right mortgage for you 
  • A brand your seller can trust; you’re presenting a pre-qualification letter backed by a personal review of your buying power
  • A quick and easy online mortgage application
  • Software that makes it easy for you to upload required forms and get them to your loan team right away
  • If your mortgage qualifies for eClosing, you can streamline the process and close from virtually anywhere you choose
UBT mortgage loan benefits

Free prequalification

Make an offer with confidence knowing you’re qualified for a loan of a certain amount.

Local decision making

Get attentive, responsive service from a family-owned bank with decision-makers who will get you the best rate.

Close with confidence

We've streamlined the process for buyers, even offering eclosings for qualified home loans.

Local loan servicing options

You can choose to have your mortgage loan serviced locally, so you’ll know where to go with payments and questions.

Check Rates or Schedule a Consultation

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Frequently Asked Questions

What do I do if I have questions about the Nebraska property escrow analysis I just received?

For specific questions related to your Nebraska property escrow analysis, please click here for our FAQ download. If you have any questions not covered in the FAQ, our contact information is in the download.

Should I refinance my home?

Although each situation is different, there are several reasons to refinance including:

  • To lower your monthly principal and interest payments.
  • To move to a secure, fixed rate loan.
  • To take cash out of the equity in your home.

For more information on refinancing your home, call 402-323-1128 in Lincoln, or toll-free 1-800-297-2837.

What are closing costs?

Closing costs cover all the fees and expenses associated with a loan transaction. Closing costs may include fees for an appraisal, credit report, title insurance, survey, and points. Closing costs vary depending upon the loan product.

What is an appraisal?

An appraisal is a report made by a qualified person, who sets forth an opinion or estimate of property value. Among other considerations of value, the appraisal uses recent local real estate sales activity as a major basis for valuation. 

What is title insurance and why do I need it?

Title insurance protects against problems with the title to your property, such as someone with a legal claim against the home.  Learn more about Lenders and Owners title policies. 

What is Private Mortgage Insurance (PMI)?

PMI is protection for the lender against loss if a borrower defaults. Typically for Conventional loans, PMI is required if your down payment is less than 20% of the purchase price. For example, on a purchase price of $100,000, PMI would be required if you put less than $20,000 (20% of $100,000) as a down payment.  Other types of loans such as FHA, VA, and USDA have similar versions of PMI.

Have Questions?

Get help from an expert

Loan products subject to credit approval.