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mortgage refinance options
Explore mortgage refinance options designed around your goals. Whether you’re looking to lower your monthly payment, access your home’s equity, or adjust your loan term, United offers flexible solutions with guidance every step of the way.
refi your home with confidence
local support, personal guidance, and a process built around you
Refinancing is more than comparing rates. It is about choosing a lender that understands your goals, explains your options clearly, and helps guide you from start to finish. Since 1949, United has helped individuals and families navigate home financing with a personal approach rooted in service, experience, and local insight.
Whether you prefer to get started online, talk through your options by phone, or meet in person, you will have access to a dedicated Mortgage Advisor focused on helping you find the right fit. With local branch access for added convenience and a team that understands today’s changing market, United is here to help you move forward with clarity.
Limited-time Mortgage Offers
Discover current mortgage offers for closing cost savings and special rate programs designed to support homebuyers.
Local Mortgage Advisors
Whether you’re looking to buy a new home or refinance your existing one, our team of local Mortgage Advisors are here to help.
Conventional Home Loan
A traditional and flexible mortgage option with competitive rates for a variety of property types and credit profiles.
- Fixed and adjustable rate options
- Financing for primary, second, and investment homes
- Discover more options »
$0 Down Home Loan1
This loan is designed for buyers who may not have a lot of equity or access to funds for a down payment.
- No down payment required
- Flexible terms and loan types
- See how to qualify »
HomeReady® Loan2
A flexible option for first-time or repeat homebuyers, with built-in savings to reduce monthly costs.
- Low 3% down payment
- Reduced mortgage insurance costs
- View eligibility details »
Medical Professionals Loan3
Tailored for medical professionals, this option offers flexibility and support every step of the way.
- Zero down payment, no PMI required
- Student debt may be excluded from calculations
- View eligible professions and terms »
Lot Loan
Finance land now and build when you're ready. Our lot loans provide flexible terms to match your long-term home plans.
- Buy now, build later
- Flexible repayment and terms
- Learn about loan types »
Construction-Only Loan4
Financing dedicated to home construction with flexible terms and up to 95% LTV.
- Financing dedicated to home construction
- Up to 95% loan-to-value
- See all construction options »
Construction-to-Permanent Loan
Single loan covers construction & permanent financing with one-time closing costs.
- Single loan covers both
- One-time closing costs
- Discover how it works »
Investment Property Balloon Loan5
Lower monthly payments over a 30-year schedule with a final balloon at 15 years.
- Lower monthly payments (30-year amortization)
- Final balloon payment at 15 years
- Understand investment options »
Jumbo Loan
Financing beyond conforming limits with flexible terms for high-value properties.
- Financing beyond conforming loan limits
- Flexible terms for high-value properties
- Explore Jumbo Loan details »
FHA Loan 6
Low 3.5% down payment and flexible credit standards for first-time buyers.
- Low 3.5% down payment
- Flexible credit standards
- Learn about FHA eligibility »
Rural Development Loan6
0% down payment for eligible rural homes—no maximum purchase limit.
- 0% down for eligible rural homes
- No maximum purchase limit
- Check rural area eligibility »
VA Loan7
0% down and no PMI for eligible service members, veterans, and spouses.
- 0% down payment, no PMI required
- For service members, veterans, spouses
- Find out if you qualify »
Relocation Loan Program
For job or international relocations—flexible timing & loan terms.
- For job or international relocations
- Flexible timing & loan terms
- Learn relocation eligibility »
Home Possible® Loan2
Low down payment and flexible credit—cancelable mortgage insurance.
- Low down payment and flexible credit
- Cancelable mortgage insurance
- Explore Home Possible® details »
Bank Statement Loan
Flexible income verification designed for members who are self-employed or have non-traditional income sources.
- Uses 24 months of bank statements
- No tax returns required
- Learn about Bank Statement Loans »
ITIN Mortgage Loan
Designed for borrowers who use an Individual Taxpayer Identification Number (ITIN) issued by the IRS.
- Flexible option based on your situation
- 15 or 30-year terms
- Explore ITIN loan details »
get preapproved before you shop
set your budget and move forward with confidence
Getting preapproved helps you understand your budget and prepares you to move quickly when you find the right home.
- Estimate your homebuying budget before you start shopping
- Be ready to act quickly when you find the right home
- Present a stronger, more competitive offer
next step
Connect with a Local Mortgage Advisor to review your options and take the next step.
already applied?
continue your application or check your loan status
You can return at any time to continue your application, review your loan status, or complete remaining steps.
- Check your loan status
- Complete remaining steps in your application
- Reach out to your Mortgage Advisor with questions
next step
Log in to access your mortgage application and stay up to date on next steps.
refi mortgage loans in a snapshot
Here's a quick overview of what a refi from United offers. Don't think you'll qualify? Reach out to United and discuss your options. We will fit your needs into the perfect refi option for you.
why refi?
Simply put, a refi will give you a chance to replace your current mortgage with a new one based on the current market and your current finances.
The best time to refi may be when:
- interest rates are at least 1% lower than your current mortgage
- your credit profile has improved
- you need funds to deal with a financial emergency, finance a large purchase, or consolidate debt
- you plan to stay living in your current home long enough to recoup the costs of refinancing
apply online now find a mortgage advisor
Refinancing can potentially:
- lower your monthly mortgage payment
- pay off your mortgage faster with a shorter term
- allow you to switch from an adjustable-rate to a fixed-rate, or vice versa
- obtain a lower interest rate
- provide cash for paying debt and home improvements
- get rid of PMI if you have more than 20% equity in your home
- obtain 100% financing with no PMI
plan your next move
explore our mortgage calculators
Understanding your mortgage options can make a big difference in your financial future. Our mortgage calculators help you figure out monthly payments, estimate costs, and explore loan types to find what works best for you. Whether you’re buying a home, refinancing, or planning for the future, these tools give you the information you need to make confident choices.
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How to Build Your Dream Home with a Construction Loan
What if your dream home isn’t even on the market? Maybe it’s not, because you haven’t built it yet! A construction loan can open up a whole new world of homebuying possibilities! Here’s how they work.
APR = Annual Percentage Rate.
All offers and terms subject to change. All loans subject to credit and collateral approval as well as program terms and conditions.
[1] Available on new mortgage applications. Financing up to 100% of the retail value of the property is available. Up to 360 months financing available. Rate may be increased after consummation. Certain restrictions apply.
[2] For qualified borrowers financing through the HomeReady and Home Possible loans. For more information, visit fanniemae.com/homeready and freddiemac.com/homepossible. Certain terms and conditions apply. Rate and term based on individual credit history and program guidelines. Consult a mortgage advisor for more details. HomeReady® is a registered trademark of Fannie Mae.
[3] Rate and term based on individual credit history and program guidelines. To qualify, applicant must be currently employed or will be working for a medical facility/practice within 60 days after loan closing date.
[4] For well-qualified borrowers.
[5] Payment example: $250,000 financed for a 15-year term with a 30-year amortization schedule at 7.922% equals a monthly payment of $1,812.67 for 15 years. If only the minimum monthly payment is made, at the end of the 15-year term, a minimum $191,120.78 balloon payment is due. Payment example does not include amounts for taxes and insurance. Actual payment obligation may be greater.
[6] Rate and term based on individual credit history and program guidelines.
[7] Loans subject to credit and collateral approval. Rate and term based on individual credit history and program guidelines.
[8] Payment example: $250,000 financed for 360 months at a fixed rate of 6.922% APR equals a monthly payment of $1,642.32. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Financing up to 100% of the retail value of the property is available. Up to 360 months financing available. Rate may be increased after consummation. Certain restrictions apply.
[9] Excludes Alaska, Hawaii, and Texas.
[10] 0.125% rate discount available to applicants who register, before loan closing, to have their mortgage payment automatically deducted from a United Rewards or Ultra Checking account each month. Offer and terms subject to change. Loans subject to credit and collateral approval as well as program terms and conditions. Payment example: $250,000 financed for 360 months at a fixed rate of 6.922% APR equals a monthly payment of $1,642.32. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Financing up to 100% of the retail value of the property is available. Up to 360 months financing available. Certain restrictions apply. For well-qualified buyers.