Mortgages in 3-Easy Steps

Our process is simple, but we are still here to walk you through it if you need us.

Step 1


Call to schedule your pre-approval appointment:





Step 2


We’ll help you gather and submit all relevant materials and quickly provide final approval on your mortgage

Step 3


We’ll walk you through completion of all closing documents so you can choose your move in date and begin enjoying your new home!

 To schedule your pre-approval appointment and begin our easy 3-step process call:

(989) 777-3620

If you don’t need assistance and are ready to start then APPLY HERE.

Ready to Apply?

Fast. Secure. Simple.
Apply Now!

Common Questions

What type of mortgages can I apply for?
  • Finance your first home
  • New home construction
  • Refinance your existing home
  • Vacation home
  • Investment property
What type of mortgages are available?
  • Balloon and fixed rate
  • 1st and 2nd mortgages
  • Vacant land loans
  • FHA and Rural development loans
Can I refinance my existing home to save money?
Yes. Simply complete our easy 3-step process.
If I have bad credit can I still apply?
Yes. You may still qualify for a mortgage even with bad credit.
Can I apply if I have a fixed income?
Yes. We evaluate several factors concerning your financial situation to determine the best mortgage options for you.
Can I lock-in my mortgage rate while the loan is in process?
Yes. Visit here for more information.
Do you offer FHA and Rural Development loans?
Do I need homeowners insurance before closing?
Yes. Visit here for more information
How is my private information protected?
Our site is completely secure, utilizing PCI-compliant, bank-level security software that is continually tested and certified.

The Right Loan For You

We provide a variety of loan options based on:
Your monthly income
How much you owe
How much you want to spend on your new house
How much you still owe if you are refinancing
How much you have to put down
How long you’re planning to stay in your new home
How much flexibility you have with your monthly payment!
Through our simple 3-Step process, you will be able to preview a variety of mortgages and pricing options. We will also help you calculate costs associated with a specific loan program.
If you have any questions, just give us a call. We’re here to help!

How Can We Help?

Have our Rate Tracker notify you when a particular rate is available.
Have our Loan Consultant determine the products and services that best match your needs.

Learn more about options to lock-in your mortgage rate while your loan is in process.

Discover the advantages our various mortgages have to offer and learn more about our Rates and Services.

Types of Mortgages

Types of Mortgages

Finance Your First Home
First-time home buying can be daunting, but with United Financial, buying your first home has never been easier. We’ve streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.


We’re pleased to be helping you purchase your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.


Before you purchase your first home, first make sure that it’s financially feasible by asking:


  • Can I pay the up-front costs? 
  • Can I pay the ongoing monthly mortgage and other living expenses? 


We’ve provided a wide range of calculators for you to use to determine some preliminary answers. Just plug in your figures and see if it all adds up.



New Home Construction
Constructing your dream home may be one of the most exciting and fulfilling things you will do in your lifetime. However, it may be the most expensive and time-consuming project that you’ll ever undertake. United Financial provides quick and easy financing for new home construction. We will save you both time and money so you can focus on your new home’s construction, and not need to worry about getting your project financed.




Refinance to Save Money
Why refinance? It may make sense if you can lower your interest rate or if the value of your home has increased. Get value out of your home and start saving by refinancing.
Reasons to refinance:
  • Switch from an adjustable rate loan to a fixed rate mortgage
  • Lower your monthly payment by switching your adjustable rate loan
  • Reduce your interest rate and your monthly payment
  • Build equity faster by shortening the term of your loan to 15 or 20 years
Refinancing can be a helpful tool for: 
  • Home improvement 
  • Debt consolidation 
  • Lowering your monthly payment


Refinancing is simple. Are you ready to get started?



Finance A Vacation Home
For those looking to purchase the perfect weekend getaway on the lake, United Financial makes financing a vacation home almost as enjoyable as the time you will spend in it. There are numerous tax considerations and rates associated with second home mortgages. We are here to ensure that you get the best rate possible and answer any questions that you may have.


Investment Property
Real estate can be one of the soundest investments you can make. However, unlike putting a few thousand dollars in a stock or retirement account, investment property can require a six figure commitment. To make a sound property investment, you need sound advice and a lender that works with you to provide the best rate on mortgages for investment properties. United Financial makes financing your investment property painless and hassle free.


 To schedule your pre-approval appointment and begin our easy 3-step process call:

(989) 777-3620

If you don’t need assistance and are ready to start then APPLY HERE.

United Financial Credit Union NMLS ID 652309