Get Prequalified

Take the first step toward a new home

Getting prequalified is a great way to find out what you can afford — and ensure you have everything you need when you’re ready to make an offer. Our Loan Officers can help walk you through the process over the phone.

Find a Loan Officer Near Me

Why prequalify?

Know what you can afford

There’s nothing worse than finding a home you love, then finding out it’s out of your price range. Getting prequalified gives you a better idea of what you can afford so you can target your search accordingly. Learn more.

Be a competitive buyer

The housing market is hot right now, so when you find a home that you'd like to make an offer on, you want to be able to act quickly, confidently, and competitively. Getting prequalified can help make that happen. Learn more.

Expert advice from the start

When you get input from experts early on, you’ll have a better idea of what to expect for your target budget, your expected payments, the documentation you’ll need when you go to buy, and more. Learn more.

Get Prequalified

Provide some info and we’ll get in touch

Mortgage Calculator

How much home can I afford?

This calculator computes the most expensive house you can buy based on the highest payment you can afford, but does not indicate whether you would qualify for the loan.

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Buying a Home

We’re here every step of the way

Shop around

When you start looking for your new home, calling your lender to get prequalified is a helpful first step. This way, you’ll be ready to act when you find the house you want to buy.

Find a Loan Officer

Make an offer

Once you’ve found the home you want to buy, you’ll make an offer. This is when you’ll apply for financing based on the home for which you now have a purchase agreement.

I Have an Agreement

Prepare to move

From the time you submit your application to the day you close on your house, you’ll work with our team to collect documentation, get an appraisal, and get your loan approved. Working with an expert from the start can help you avoid any surprises near the end.

Login

Shop around

When you start looking for your new home, calling your lender to get prequalified is a helpful first step. This way, you’ll be ready to act when you find the house you want to buy.

Find a Loan Officer

Make an offer

Once you’ve found the home you want to buy, you’ll make an offer. This is when you’ll apply for financing based on the home for which you now have a purchase agreement.

I Have an Agreement

Prepare to move

From the time you submit your application to the day you close on your house, you’ll work with our team to collect documentation, get an appraisal, and get your loan approved. Working with an expert from the start can help you avoid any surprises near the end.

Login

1Shop around
2Make an offer
3Prepare to move
4Get your keys

Related resources

Guide

Buying a home with UBT

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Guide

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Blog 4/8/24

What is an adjustable-rate mortgage?

Have Questions?

Get help from an expert

Kaye Krause

Vice President - Home Loan Officer

Email Kaye Call Kaye