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Financing

Home financing is our specialty. You will not find an easier mortgage solution when building a new home. We provide your new home’s financing, not a third party mortgage lender or bank. And there is no separate construction loan. You only have one closing with UBH.

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In House Financing

We offer competitive in-house financing, often with zero money down. We are the lender – not some large mortgage company that sees you as a number. We have real folks that review your property and home loan request. We understand your land and why it is valuable. We don’t rely solely on algorithms and credit scores to decide if you qualify for a home loan. We’ll do everything we can to get you the home of your dreams.

Do You Owe On Your Land? Let’s Talk!

Owe money on your property? Many times, UBH can consolidate what you owe on your land and include it in your home mortgage payment.

Up Front Costs

With UBH, there aren’t any surprises – no hidden fees, points, etc. For many qualified buyers, there is no out of pocket expense to finance your new UBH home. Your budget is predictable throughout the building process.

A man and a woman sit at a table, smiling at each other while working on papers and sketches. The man holds a pencil and the woman looks happy, leaning on her hand. A phone and drawings are on the table.

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A comparison chart showing out-of-pocket expenses for a $275,000 loan: typical conventional financing totals $22,731, while United Built Homes financing totals $0, with itemized costs for construction and permanent loans.

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All mortgage products described on this page are for qualified customers and subject to underwriting guidelines. United Built Homes has various loan products which may not include all of the features listed here. Not all customers will qualify.