People First Financing: The Easiest Way to Finance a Home on Your Land
Building a home on your own land should feel exciting, not overwhelming. At UBH, your home and your financing work together: the same team designs your plan, builds your home, and handles your loan. No outside banks, no handoffs, no runaround. Since 1958, we’ve helped more than 50,000 families build on their land, and our financing works in rural areas where many traditional banks won’t. Take a look at how it works and see if we’re the right fit for you.
50,000+
Homes Financed & Built
65+
Years in Business
20
Design Centers
1x
One-Time Close Loan
One Lender. One Loan. One Simple Process.
Most builders send you to one bank for construction and another for your mortgage. With People First Financing, your home and your loan are planned together, in-house. Our financing is built for rural land, whether you already own it, it’s been in your family for generations, or you’re still paying it off. It works in your area where others may not.
- Use your land toward your down payment, so you may not need a big cash deposit
- One closing for construction and your permanent mortgage
- Roll existing land debt into your new home loan
- No payments for 12 months and no interest for 11, so you can live in your new home before your first payment is due
Traditional banks often aren't set up for building on private land. Our finance team has decades of experience in rural construction lending and looks at your whole situation: you, your land, and your plans.
The same company designs your plan, builds your home, and holds your loan, so your home and your loan are planned together to fit your budget.
After closing, your payments and questions stay with UBH. One number to call for the life of your loan.
20 design centers across Texas, Oklahoma, Arkansas, and Louisiana, staffed by teams who know local land, permitting, and building.
Financing is one of the biggest parts of building a home, and there’s a lot more to it than a rate. Browse short videos and articles on loan structure, construction costs, land equity, and the approval process. Insiders get new content first.
OUR PROCESS
Traditional construction loans often require separate financing, a sizable down payment, and interest payments during the build, adding cost and stress. UBH offers a 30-year conventional loan with no payments for the first year and no interest for the first 11 months, for greater stability while your home is under construction.
OUR PROCESS
With many builders, you need two loans: a construction loan to build the home and a second loan to refinance into a permanent mortgage. That can be complicated and costly. At UBH, financing is handled in-house, so you get one team, one approval process, and one simple path to your new home.
COSTS & PAYMENTS
Many buyers worry about paying rent or an existing mortgage while their new home is being built. In most cases, UBH customers make no payments and pay no interest during construction, which eases the financial strain and gives you more peace of mind.
LAND & DOWN PAYMENT
If you're still making payments on your land, financing a new home can feel more complex. In many cases, UBH can roll your land payment into your mortgage, eliminating separate land payments during construction and making the process more manageable.
LAND & DOWN PAYMENT
Qualified buyers may be able to build a new home with no money down, no upfront out-of-pocket costs, and no interim interest during construction. For many UBH customers, the first out-of-pocket cost is the first mortgage payment a year later, making homeownership more accessible for more families.
GETTING APPROVED
Automated lending systems often rely heavily on credit scores and fixed criteria. At UBH, real underwriters review the full picture, including you, your property, and your circumstances. That personal approach means we may be able to approve buyers other lenders would decline automatically.
COSTS & PAYMENTS
The cost of building a new home depends on more than the floor plan. Home size and design, finishes, driveway length, utility connections, septic or sewer needs, and land condition all play a role. UBH helps you understand these factors early so you can choose a home that fits your property, needs, and budget.
Join People First Insiders
Tell us a little about you and your build. A UBH finance specialist will reach out, usually within one business day, to activate your priority access and talk through your options.
