Turning Your Homeownership Dreams into Reality
At Unity Bank, we understand that buying a home is one of the most significant financial decisions you'll make. Whether you're a first-time homebuyer, looking to refinance, or seeking a second home, our mortgage solutions are designed to help you achieve your homeownership goals with confidence and ease.
Why Choose Unity Bank for Your Mortgage Needs?
Our team of mortgage professionals has extensive knowledge of the local real estate market and can provide personalized guidance throughout the process.
We are committed to providing exceptional service and support, ensuring that your mortgage experience is smooth and stress-free. Our efficient application process and dedicated team make it easy to get the financing you need without unnecessary delays.
Home Loans
Ready to find your dream home? Our home loans offer competitive rates and flexible terms to make the home-buying process as smooth as possible. Let us help you navigate the journey to homeownership with personalized support and financing options tailored to your needs.
- Conventional Mortgages
- Adjustable Rate Mortgages (ARM)
- Construction/Permanent Loans
- Government Loan Programs
- Condo Financing
- Lot Loans
10 Year Fixed Rate Mortgage
Unity Bank offers our customers the opportunity to refinance their mortgage to a 10-year fixed rate mortgage with low rates. There is no balloon payment with this product because it is fully amortized over 10 years.
What is a 10-year fixed rate mortgage?
A 10-year fixed rate mortgage is when your payments are spread out over 10 years, as opposed to many traditional mortgages which are paid over 15 or 30 years. By shortening the term, you will pay less interest over the life of the loan and your loan will be paid off quicker.
Refinance Your Mortgage
Looking to lower your monthly payments, shorten your loan term, or access your home’s equity? Refinancing your mortgage with Unity Bank can provide you with financial flexibility and potential savings. We offer refinancing solutions designed to help you achieve your financial goals.
First-Time Homebuyer Loans
If you're buying your first home, Unity Bank is here to guide you through the process with expert advice and tailored mortgage solutions. Our first-time homebuyer loans are designed to make homeownership accessible and affordable.
Home Equity Lines of Credit (HELOC)
Unlock the potential of your home’s equity with a Home Equity Line of Credit (HELOC). Whether you’re planning a major renovation, funding a large expense, or consolidating debt, a HELOC offers flexible access to funds with competitive rates.
- Flexible Access to Funds: Draw on your credit line as needed and only pay interest on what you use.
- Competitive Rates: Benefit from lower interest rates compared to other types of credit.
- Flexible Repayment Terms: Enjoy flexibility in repayment options to suit your financial situation.
More Options
Your home is more than just a place , it’s where memories are made and futures are built.
Home Improvement Loans: Whether you’re renovating your kitchen or upgrading your outdoor space, we can help make your vision a reality.
Cash-Out Refinancing: Tap into your home’s equity for major expenses like college tuition, debt consolidation, or that dream vacation.
Whatever your plans, our experienced team is here to guide you every step of the way. Let’s discuss how we can support your goals.
Apply for a Mortgage Today
Ready to take the next step in your homeownership journey? Apply for a mortgage with Unity Bank today. Visit your nearest branch or schedule an appointment with a mortgage banker to explore your options and receive personalized assistance from our experienced mortgage team.
Consumer Loans
As a community bank with deep roots in the areas we serve, we offer personalized service and local expertise to guide you through your lending options. We are dedicated to helping you achieve your financial goals with transparent advice, flexible solutions, and exceptional service.
Camper, Motorcycle, and Recreational Vehicle Loans
Whether you're planning a cross-country road trip, seeking the excitement of a motorcycle ride, or preparing for outdoor adventures with an ATV, side-by-side, fish house, or snowmobile, Unity Bank is here to support your plans.
Boat Loans
Imagine yourself on the water, enjoying the open air and making lasting memories. With Unity Bank's boat loans, we can help turn that vision into reality. Contact us today to discuss your financing needs and take the first step toward your next adventure.
Auto Loans
Looking for a new or used vehicle? Unity Bank is here to help. We recognize that every journey is unique, which is why we offer personalized loan options to fit your needs. Connect with one of our experienced lenders today to explore the solutions we can provide.
Checking Reserve
Unexpected expenses can arise, but Unity Bank’s Checking Reserve ensures you’re always covered. This service provides an automatic advance to your account when needed, helping you avoid overdraft fees and maintain financial peace of mind. Speak with one of our experienced lenders to learn more about how this feature can work for you.
Credit Cards
Simplify your finances with our credit card options. Whether you need a card for everyday purchases or for emergencies, our credit cards offer convenience, security, and rewards to help you manage your spending.
Rewards Programs: Earn rewards on your purchases with our various credit card options.
Low Interest Rates: Benefit from competitive interest rates that make managing your balance easier.
Security Features: Enjoy peace of mind with advanced security features to protect your transactions.
Credit cards are issued by TCM Bank, NA. Subjected to credit approval. See the card application's important Disclosures for current terms, rates, and fees.