HOME LOAN PROGRAMS

United Capital  offers loan programs to meet your unique needs. Life is not one size fits all, and your mortgage needs aren’t either. Our loan officers will explore your needs and present a financing option that is tailored to meet your needs and at the best rate.

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Conventional Home Loans

Conventional mortgages include portfolio loans, construction loans, and even subprime loans. But again, whenever a lender refers to a “conventional loan” they are most likely referring to conforming mortgages that are eligible for purchase by Fannie Mae and Freddie Mac.

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Jumbo Mortgage Financing

A Jumbo, or non-conforming loan, is required for financing on a mortgage that is higher than the conforming loan limits set by Fannie Mae and Freddie Mac.

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FHA Mortgage Loans

The FHA’s mission driven organization encourages home ownership and provides affordable housing opportunities with low down payment and flexible credit requirements.

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VA Mortgage Loans

A VA (Veterans Administration) guaranteed home loan is the preferred loan program for active, non-active, Reserve, National Guard, and retired military of the armed forces because there is no down payment needed and no private monthly mortgage insurance required.

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Reverse Mortgage Senior Loans

A reverse mortgage is a loan available to seniors, and is used to release the home equity in the property as one lump sum or multiple payments. The homeowner’s obligation to repay the loan is deferred until the owner dies, the home is sold, or the owner leaves (e.g., into aged care).

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203(k) Rehab Mortgage Loans

Have you found that “almost perfect” home in the right location that is selling at a reduced price because it needs a little rehab work? The FHA 203(k) Rehab Loan may be your answer to turning that “fixer-upper” into your dream home.

Loan Program Articles & Resources

Get Started Today!

The process is easy. Simply click below to start your online application.