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United Bank & Trust Piggy BankENJOY $100* and a free safe deposit box** when you open a Simple Cash Back checking account.

Thank you for choosing United Bank & Trust for your mortgage services!  When you purchase or refinance your home with us and open a Simple Cash Back checking account, we will give you $100 and a free 3x5 safe deposit box for one year**!  

*Valid on new Simple Cash Back checking accounts opened within 90 days of mortgage closing. Must be 18 years old or older. Must have one automatic debit or credit posted to account within 90 days of account opening. Minimum to open is $25. Balance must be greater than $0.00. Account must remain open for 90 days. Bonus paid after 90 days from account opening. Not valid if current owner of a United Bank & Trust checking account. Offer limited to one bonus per household. **Equivalent credit toward larger size box.

Buying a home is one of the biggest investments you will ever make.  At United Bank & Trust, you can expect responsive, personal service from our lenders who will work with you one-on-one, throughout the entire mortgage loan process.  With our unmatched service, we have helped many families and individuals with their mortgage loan needs.

Fixed-Rate Mortgage

Whether purchasing or refinancing a home, a fixed rate mortgage might be the right option for you!  Your principal and interest payments won't increase over time, making it easier to budget your monthly expenses. 

Apply Online for a Fixed-Rate Mortgage OR  Finish Existing Application

Adjustable-Rate Mortgage

If you expect to be in your home for a short period of time, or if you expect that mortgage rates will decline over time, an adjustable-rate mortgage might be a great option for you to consider!   With an adjustable-rate mortgage, monthly payments may be lower for the first few years than a fixed rate mortgage.

Apply Online for an Adjustable-Rate Mortgage OR  Finish Existing Application

Construction Loans

If you are building your own home, we have a finance option for you. Construction loans are a two-loan process with the initial construction phase for up to 12 months with interest only payments. Interest during the construction phase is fixed. The second loan is the permanent loan. The interest rate for a fixed rate permanent loan can be set when the home is within
60 days of completion.

Apply Online for a Construction Loan OR  Finish Existing Application

Mortgage Resources

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Tips on Buying a Home
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Mortgage Loan Checklist
Mortgage Loan Originator Listing

  • Cindy Smiley Cindy Smiley Mortgage Loan Officer, Vice President
    Phone: 641-753-5900
    Email: [email protected]
    NMLS #: 531711
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