Mortgages and Home Equity Loans from UnitedOne Credit Union

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Mortgage Center for Home Loans
Buy, Build, Home Equity, and more!

Whether buying your first home or refinancing your current one, our team of Local Home Loan Experts is here to help you find the right mortgage program to meet your specific needs! Take advantage of our competitive rates & available down payment assistance programs including fixed and adjustable rate conventional mortgages, and government-backed options such as FHA, USDA, VA, and WHEDA.**

Benefits of Home Ownership

Build equity - Homes typically increase in value, build equity & provide a nest egg for your future
Stabilize housing costs - You could become a homeowner & pay the same or less than what you are paying as a renter
Create your own space - Say goodbye to needing approval from a landlord to paint or carpet
Improve your credit score - Buying a house can improve your credit score, if payments are managed well

Purchasing or refinancing, now or down the road, our Local Home Loan Experts are happy to work with you and review your options to ensure you choose the program that best meets your specific needs.

Home Loan Checklist Mortgage Calculators Mortgage Rates

Using the Equity in Your Home

Home equity is calculated using the difference between what your home is worth and what you still owe on your mortgage. Our Local Home Loan Experts in Manitowoc and Sheboygan can help you find that magic number so you can use the equity in your home to do the remodel you've been putting off, make the addition you've been dreaming about, and more!

With an affordable home equity loan, you can also use your funds for other activities such as:

Reducing your energy bills with new, energy-efficient appliances
Covering college (education) expenses
Refinancing a home equity loan you have elsewhere
Consolidating higher rate debt

HELOC vs. Home Equity Loan Make Appointment Apply Online

Build Your Dream Home with a Construction Loan

A Construction Loan covers both the interim building phase and the permanent loan once the home is finished, eliminating the need for multiple loans.

The first 9 months of the loan, also known as the draw period, disburses funds to contractors or subcontractors during the building phase. This period features a lower rate, interest only payment on outstanding balances plus property taxes if applicable. Once the house is finished, the loan rolls automatically converts to an ARM loan/permanent financing (for primary residence/second homes only). One of the biggest benefits of a Construction Loan is it features a one-time close, which means one-time closing costs to save you money!

Construction Loans Mortgage Application Mortgage Rates

Is Your Home Loan Serviced by Servion Mortgage or WHEDA?

Utilize the web portals below to access loan information, manage payments, and track your loan history:

Servion Mortgage Servicing WHEDA Mortgage Servicing

Home Loan questions? We're happy to help!

Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at homeloans@UnitedOne.org.

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°Limited funding available and this program may end at any time and without notice. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. All offers are subject to credit approval and not all applicants will qualify. Talk with a UnitedOne Credit Union Mortgage Specialist for more details related to this program. Membership Eligibility Required. Equal Housing Lender.

**All loans and down payment assistance programs subject to eligibility and approval. Membership eligibility required. Insured by NCUA. NMLS # 439833