Spring is one of the most popular seasons to buy, build, or refinance a home. Whether you are purchasing your first house, upgrading to a new space, refinancing for better rates and terms, or exploring financing for a construction project, having the right mortgage can make all the difference. At United Fidelity Bank, we offer a wide range of mortgage solutions designed to meet borrowers where they are and help them move forward with confidence.

With competitive rates, flexible options, and knowledgeable loan specialists, our goal is simple. We want to help you find a mortgage that fits both your lifestyle and your budget.

Fixed-Rate Mortgage ¹

A fixed-rate mortgage offers the same interest rate for the entire term of the loan, meaning principal and interest payments remain consistent throughout. This stability makes budgeting easier and more predictable. United Fidelity Bank offers fixed-rate mortgage terms ranging from 10 to 30 years. Low down payment options are available for qualified buyers.

Adjustable-Rate Mortgage (ARM) ¹

An adjustable-rate mortgage is a home loan where the interest rate may change over time. These loans typically start with a lower initial interest rate and monthly payment. United Fidelity Bank offers 5/6 and 7/6 ARM options. With these products, the interest rate remains fixed for the first 5 or 7 years and can adjust every six months until maturity. This option may be a good fit for borrowers planning a move within 5 to 7 years.

New Hope Mortgage ^{1, 2}

Our New Hope Mortgage is designed for low-to-moderate-income households interested in purchasing a home or refinancing an existing mortgage. It is also available for borrowers purchasing or refinancing properties located in designated low-to-moderate-income areas within United Fidelity Bank’s footprint or assessment areas. This program offers low down payment options for qualified borrowers.

Jumbo Mortgage

Our Jumbo Mortgage is a type of home loan that exceeds the loan limits established by the Federal Housing Finance Agency (FHFA). These loans are not eligible to be purchased by Fannie Mae or Freddie Mac and are typically offered as adjustable-rate mortgage products.

Federal Housing Administration (FHA) Mortgage ³

FHA mortgages are insured by the Federal Housing Administration and are designed to assist borrowers, including first-time homebuyers, who may have limited cash on hand. FHA loan limits are based on the county where the property is located. These loans offer flexible income and credit requirements, low down payment options for qualified buyers, and low minimum credit score requirements. FHA loans include both upfront and monthly mortgage insurance premiums, with the upfront mortgage insurance premium often eligible to be financed into the loan.

Veterans Affairs (VA) Mortgage

VA mortgages provide financing for qualified veterans, reservists, active-duty service members, or eligible family members. These loans are guaranteed by the U.S. Department of Veterans Affairs, allowing lenders to offer favorable loan terms and long-term financing. One of the key benefits of VA loans is the absence of monthly mortgage insurance. An upfront VA funding fee is typically financed into the loan amount, and the program offers up to 100% financing for eligible borrowers.

United States Department of Agriculture (USDA) Mortgage

The USDA Guaranteed Rural Housing Loan Program offers 30-year fixed-rate mortgage financing guaranteed by the U.S. government through USDA Rural Development. These loans are available for primary residences located in eligible rural areas. The program offers 100% financing, flexible credit terms, and low minimum credit score requirements.

Construction Loan

United Fidelity Bank offers construction loans with a one-time close and up to a twelve-month construction term. Borrowers make interest-only payments during the construction phase. Instead of managing separate construction and permanent loans, this option combines both into one convenient loan. Once construction is complete and all funds are disbursed, the loan converts to permanent financing with regularly scheduled payments. Escrow is not allowed during the construction phase but may be established once construction is complete.

Find the Right Mortgage for Your Needs

Every borrower’s situation is unique, which is why United Fidelity Bank offers a broad selection of mortgage solutions paired with personalized guidance. Whether you are buying, building, or refinancing, our experienced loan specialists are here to help you choose the mortgage that best supports your financial goals and budget. Call or visit your local United Fidelity Bank banking center to learn more.

Banking Centers | United Fidelity Bank

Ready to explore your mortgage options?

United Fidelity Bank’s Mortgage Center makes it easy to take the next step. From one convenient place, you can search current mortgage rates, apply online, securely upload documents, check your loan status, and access helpful tools and resources throughout the process. Whether you’re just getting started or already working with a lender, our Mortgage Center is designed to support you every step of the way.

United Fidelity Bank: Mortgage Center

 

Loans are subject to credit approval. Rates are subject to other terms and conditions and are subject to change without notice. ¹Loans for more than 80% of the loan-to-value require mortgage insurance, and escrow for taxes and insurance may be required. ²Income based on borrower, not household income. ³A low-down payment program that requires mortgage insurance, and escrow for taxes and insurance. All rates assume a 45-day lock period. See associate for details.