With United Built in-house financing, there’s no money down for qualified landowners, no up-front closing costs, no payment for the first 12 months and no penalty for early pay-off. Conventional financing sometimes requires a large down payment and significant up-front fees. *All mortgage products 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.