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The Easiest Way to Finance Your New Home

UBH provides its own financing — no third-party banks, no complicated processes. We’ve helped over 50,000 families build on their land with simple, personalized mortgages since 1958.

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50,000+

Homes Financed & Built

65+

Years in Business

21

Design Centers

1x

One-Time Close Loan

One Lender. One Loan. One Simple Process.

Unlike traditional banks, UBH finances your home in-house — meaning faster approvals, flexible guidelines, and a team that truly understands construction lending on rural land.

  • Use your land equity as a down payment — often $0 cash at closing
  • One-time close: construction + permanent mortgage in a single loan
  • Roll outstanding land debt into your new home mortgage
  • Flexible approval — perfect credit is not required
  • Specialists in rural acreage and build-on-your-lot financing
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Financing FAQs

Financing is one of the most important parts of the homebuilding process, and, naturally, it often raises many questions. These FAQs highlight some of the most common financing topics buyers ask about, from loan structure and construction costs to land equity and the approval process, so they can better understand what to expect.

Why do some builders require two loans, and how is your financing process different?

With many builders, financing a new home means securing two separate loans: a construction loan to build the home and then a second loan to refinance into a permanent mortgage once construction is complete. That process can be more complicated, time-consuming, and costly. With United Built Homes, financing is handled in-house, giving buyers a simpler experience with one team, one approval process, and one streamlined path to building their home.

Will I have to make payments during construction if I’m already paying rent or a mortgage?

One of the most common concerns buyers have when building a home is the possibility of carrying two housing payments at the same time. For many, that means worrying about paying rent or an existing mortgage while the new home is under construction. In most cases, United Built Homes customers do not make payments during the construction process and do not pay interest during construction. This can significantly reduce the financial strain of building and provide greater peace of mind throughout the process.

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How is UBH financing different from a traditional construction loan?

Traditional construction loans often require buyers to secure separate financing, make a sizable down payment, and pay interest while the home is being built. Those added costs can make the building process more expensive and more stressful. United Built Homes offers a different approach with a 30-year conventional loan that includes no payments for the first year and no interest for the first 11 months. This structure can provide greater financial stability and peace of mind while the home is under construction.

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Can existing land payments be included in the financing for a new home?

For buyers who already own land and are still making payments on it, financing a new home can feel more complex. In many cases, United Built Homes may be able to roll the land payment into the mortgage, which can eliminate separate land payments during construction. This can help reduce financial pressure and create a more manageable path forward while the new home is being built.

Is it possible to build a new home with no money down?

In many cases, qualified buyers may be able to build a new home with no money down and no out-of-pocket expenses upfront. Unlike many traditional financing options, this approach can also eliminate interim interest payments during construction. For many United Built Homes customers, the first out-of-pocket cost is not due until the first mortgage payment a year later, making the path to homeownership more accessible and financially manageable for many families.

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Will my application be reviewed by a real person or just an automated system?

Financing decisions can sometimes feel impersonal, especially when automated systems rely heavily on credit scores and fixed criteria. United Built Homes takes a more personalized approach, with underwriting handled by real people who review the full picture rather than relying solely on a computer-generated decision. By considering the individual, the property, and the overall circumstances, UBH may be able to evaluate situations that other lenders might decline automatically.

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Talk to a UBH Finance Specialist

Ready to find out what you qualify for? Fill out the short form and our team will be in touch — usually within one business day.

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