Buying a home
Our friendly mortgage loan experts will find the right loan for you. The first step is to prequalify.
Building a home
We’ll work with you and your builder to make the building process as easy and seamless as possible.
Refinancing can help you achieve long term financial goals by lowering your rate or shortening the life of your loan.
Improving your home
Home equity loans and lines of credit put your home’s equity to work for you.
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.
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
Check Rates or Schedule a Consultation
Frequently Asked Questions
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.
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.
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.
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.
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.
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Loan products subject to credit approval.
*NO PURCHASE NECESSARY. Void where prohibited. Applicants that close a secondary market, owner-occupied, primary-dwelling secured home purchase or refinance loan with Union Bank and Trust Company in Nebraska or Kansas between Saturday, October 1, 2022, at 12:00 a.m. Central Time and Sunday, January 15, 2023, at 11:59 p.m. Central Time (the “Promotion Period”) will be automatically entered in the contest. You may also participate in the Welcome Home Giveaway Drawing by completing the form at the following link www.ubt.com/5000giveaway during the Promotion Period. You must be at least 18 years of age and a resident of the 50 United States or the District of Columbia at time of entry. Residents of the state of Maine are not eligible to participate. YOU MUST NOT BE PROHIBITED BY FEDERAL OR STATE LAW FROM ENTERING THIS DRAWING OR FROM WINNING THE PRIZE. You may enter only once. You need not be present to win. You may win only once. One winner will receive $5,000 and may choose a cashier’s check OR direct deposit into their Union Bank checking account. Odds of winning depend on the number of entries received. Official rules available at https://www.ubt.com/welcome-home-giveaway-rules-page. Member FDIC