Residential Lending

United Global Online Bank Mortgage offers a range of services that include the origination and servicing of single family residential loans and single family construction loans. Our professional staff is experienced and highly trained to answer your questions, expedite your application and help you select the best possible loan program for your needs. From beginning to end, we approach lending the traditional way - person to person.


One-Time Close Construction Loan

The United Global Online Bank Mortgage One Time Close Construction loan allows borrowers who want to build the ability to do both the construction loan and permanent loan at one time. There is no re-qualifying with our program, which means minimum hassle to both the borrower and homebuilder. Learn more about the benefits of a One-Time Close Loan.


Adjustable Rate Mortgage (ARM)

Today's ARMs may make sense for some homebuyers who want to capitalize on lower interest rates to increase their buying power. Compared to most traditional fixed-rate mortgages, an ARM from United Global Online Bank Mortgage lets you lock in a lower rate initially. The trade-off is the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly. The money you are initially saving can be used to boost your buying power.


Fannie Mae (FNMA)

United Global Online Bank Mortgage offers a full spectrum of Fannie Mae loan programs. These programs are offered with no additional credit overlays, as you might see with other banks and mortgage lenders. These loans are delivered directly to FNMA so your payments are made directly to United Global Online Bank Mortgage.


Federal Housing Administration (FHA)

At United Global Online Bank Mortgage, we're committed to offering loan programs that fit different borrower profiles. Our FHA loans allow borrowers a reduced down payment and some credit flexibility.

Portfolio

A portfolio program can be the difference between a borrower being approved or denied. At United Global Online Bank Mortgage, our portfolio program is designed to help self-employed borrowers qualify for "move up" type properties.


Lot Loans

Want to buy a lot but are not ready to build? Try the United Global Online Bank Mortgage Lot Loan program. This allows a borrower to buy a dream lot today while allowing time to find the exact builder and plans to complete the perfect home.


Home Equity or Home Improvement Loans

Use the equity in your home to boost your purchasing power. A home equity or home improvement loan can assist in building the dream kitchen or the bathroom you've always wanted. Reach out to Celia Henderson or Robert Tinh to learn more.