NMLS #123456 | Licensed in all 50 states
You Can Do This. We'll Guide You Home.
Whether you're buying your first home, refinancing for a better rate, or using your VA benefits — our residential lending team is here to make the process simple, fast, and stress-free.
3%
Down Payment Options
24hr
Pre-Approval Turnaround
50+
Loan Programs Available
21 Days
Average Time to Close
Loan Programs
Find the Right Loan for You
We offer a full range of residential mortgage products — from first-time buyer programs to jumbo financing.
First-Time Home Buyer
We specialize in guiding first-time buyers through every step — from understanding your budget to closing day. Low down payment options available.
- Down payments as low as 3%
- FHA, USDA & conventional options
- Free homebuyer education resources
- Dedicated first-time buyer specialists
Refinancing
Lower your rate, reduce your monthly payment, shorten your term, or tap into your home equity with a smart refinance strategy.
- Rate & term refinancing
- Cash-out refinancing
- Streamline refinance programs
- No-cost refinance options available
VA Loans
Honoring those who served. VA loans offer zero down payment, no PMI, and competitive rates exclusively for eligible veterans and active-duty service members.
- 0% down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
FHA Loans
Government-backed FHA loans make homeownership accessible with lower credit score requirements and smaller down payments.
- Down payments as low as 3.5%
- Credit scores from 580+
- Flexible debt-to-income ratios
- Great for buyers rebuilding credit
Conventional Loans
The most flexible mortgage option for buyers with strong credit. Avoid PMI with 20% down and enjoy competitive rates on conforming and jumbo amounts.
- Fixed & adjustable rate options
- Loan amounts up to $3M+
- No PMI with 20% down
- Faster closing timelines
Jumbo Loans
Financing for luxury and high-value properties that exceed conforming loan limits. Competitive rates with personalized underwriting.
- Loan amounts above conforming limits
- Primary, second home & investment
- Flexible qualification criteria
- Dedicated jumbo loan specialists
98% Client Satisfaction
Based on 500+ verified reviews
The United Trust Difference
Expert Guidance at Every Step of Your Journey
Buying a home is one of the biggest decisions of your life. We take that seriously. Our loan officers are experienced, patient, and genuinely invested in your success — not just your transaction.
First-Time Buyers
Your Dream Home Is Closer Than You Think
The homebuying process can feel overwhelming — but it doesn't have to be. We break it down into simple, manageable steps and walk beside you the entire way.
From understanding how much you can afford, to navigating down payment assistance programs, to signing at closing — we make sure you always know what's happening and why.
Know Your Budget
We review your income, credit, and goals to find your real buying power.
Get Pre-Approved
A pre-approval letter shows sellers you're serious and ready to move.
Find Your Home
Shop with confidence knowing exactly what you can afford.
Close & Celebrate
We handle the paperwork. You get the keys.
Down payments
3%
as low as
Real Stories
Clients Who Found Their Way Home
“We were so nervous about buying our first home. Our loan officer walked us through everything and we closed in 24 days. We couldn't believe how smooth it was.”
Marcus & Priya T.
First-Time Home Buyers
“Refinanced my mortgage and cut my rate by 1.4%. The process was completely painless — they handled everything and kept me updated every step of the way.”
Jennifer L.
Refinance Client
“United Trust made my VA loan process effortless. Zero down, no PMI, and I closed on my dream home in under 30 days. Truly grateful for their expertise.”
Staff Sgt. Kevin R.
VA Loan Borrower
Ready to Take the First Step?
Get pre-approved in minutes. No commitment, no pressure — just clarity on what you can afford and a team ready to help you move forward.